The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,094
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,719
−HK$635/mo
Today · 4.125%
HK$21,354
baseline
▲ 0.50% · 4.625%
HK$22,653
+HK$1,299/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,708/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,354
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,954
−HK$608/mo
Today · 4.125%
HK$23,562
baseline
▲ 0.50% · 4.625%
HK$24,804
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,124/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,113
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,863
−HK$762/mo
Today · 4.125%
HK$25,625
baseline
▲ 0.50% · 4.625%
HK$27,184
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,250/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,825
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,545
−HK$729/mo
Today · 4.125%
HK$28,274
baseline
▲ 0.50% · 4.625%
HK$29,765
+HK$1,491/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,548/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,131
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,006
−HK$890/mo
Today · 4.125%
HK$29,896
baseline
▲ 0.50% · 4.625%
HK$31,715
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,792/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,296
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,135
−HK$852/mo
Today · 4.125%
HK$32,987
baseline
▲ 0.50% · 4.625%
HK$34,726
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,974/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,169
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,294
−HK$1,143/mo
Today · 4.125%
HK$38,437
baseline
▲ 0.50% · 4.625%
HK$40,776
+HK$2,339/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,874/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,238
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,317
−HK$1,095/mo
Today · 4.125%
HK$42,412
baseline
▲ 0.50% · 4.625%
HK$44,647
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,824/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,364 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).