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$20,120
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$636/mo
Today · 4.125%
HK$21,382
baseline
▲ 0.50% · 4.625%
HK$22,683
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,764/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,384
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,984
−HK$609/mo
Today · 4.125%
HK$23,593
baseline
▲ 0.50% · 4.625%
HK$24,837
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,186/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,144
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$763/mo
Today · 4.125%
HK$25,658
baseline
▲ 0.50% · 4.625%
HK$27,220
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,316/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,860
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,581
−HK$731/mo
Today · 4.125%
HK$28,312
baseline
▲ 0.50% · 4.625%
HK$29,804
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,624/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,168
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,045
−HK$890/mo
Today · 4.125%
HK$29,935
baseline
▲ 0.50% · 4.625%
HK$31,756
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,870/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,337
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,178
−HK$852/mo
Today · 4.125%
HK$33,030
baseline
▲ 0.50% · 4.625%
HK$34,771
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,060/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,217
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,343
−HK$1,145/mo
Today · 4.125%
HK$38,488
baseline
▲ 0.50% · 4.625%
HK$40,829
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,976/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,291
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,371
−HK$1,096/mo
Today · 4.125%
HK$42,467
baseline
▲ 0.50% · 4.625%
HK$44,706
+HK$2,239/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,934/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,711 · 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).