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$20,091
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,716
−HK$635/mo
Today · 4.125%
HK$21,351
baseline
▲ 0.50% · 4.625%
HK$22,650
+HK$1,299/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,702/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,351
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$608/mo
Today · 4.125%
HK$23,559
baseline
▲ 0.50% · 4.625%
HK$24,800
+HK$1,241/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,118/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,109
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,859
−HK$762/mo
Today · 4.125%
HK$25,621
baseline
▲ 0.50% · 4.625%
HK$27,180
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,242/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,821
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,541
−HK$729/mo
Today · 4.125%
HK$28,270
baseline
▲ 0.50% · 4.625%
HK$29,761
+HK$1,491/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,540/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,127
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,002
−HK$889/mo
Today · 4.125%
HK$29,891
baseline
▲ 0.50% · 4.625%
HK$31,710
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,782/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,292
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,131
−HK$851/mo
Today · 4.125%
HK$32,982
baseline
▲ 0.50% · 4.625%
HK$34,721
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,964/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,164
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,289
−HK$1,143/mo
Today · 4.125%
HK$38,432
baseline
▲ 0.50% · 4.625%
HK$40,770
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,864/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,232
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,311
−HK$1,095/mo
Today · 4.125%
HK$42,406
baseline
▲ 0.50% · 4.625%
HK$44,641
+HK$2,235/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,812/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,327 · 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).