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$20,123
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,749
−HK$636/mo
Today · 4.125%
HK$21,385
baseline
▲ 0.50% · 4.625%
HK$22,686
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,770/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,387
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,987
−HK$610/mo
Today · 4.125%
HK$23,597
baseline
▲ 0.50% · 4.625%
HK$24,840
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,194/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,148
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,899
−HK$763/mo
Today · 4.125%
HK$25,662
baseline
▲ 0.50% · 4.625%
HK$27,224
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,324/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,864
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,585
−HK$731/mo
Today · 4.125%
HK$28,316
baseline
▲ 0.50% · 4.625%
HK$29,808
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,632/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,173
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,049
−HK$890/mo
Today · 4.125%
HK$29,939
baseline
▲ 0.50% · 4.625%
HK$31,761
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,878/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,342
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,182
−HK$853/mo
Today · 4.125%
HK$33,035
baseline
▲ 0.50% · 4.625%
HK$34,776
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,070/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,222
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,349
−HK$1,144/mo
Today · 4.125%
HK$38,493
baseline
▲ 0.50% · 4.625%
HK$40,836
+HK$2,343/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$76,986/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,297
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,377
−HK$1,097/mo
Today · 4.125%
HK$42,474
baseline
▲ 0.50% · 4.625%
HK$44,713
+HK$2,239/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,948/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,751 · 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).