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$20,102
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,727
−HK$635/mo
Today · 4.125%
HK$21,362
baseline
▲ 0.50% · 4.625%
HK$22,662
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,724/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,363
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$609/mo
Today · 4.125%
HK$23,571
baseline
▲ 0.50% · 4.625%
HK$24,813
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,142/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,122
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,872
−HK$762/mo
Today · 4.125%
HK$25,634
baseline
▲ 0.50% · 4.625%
HK$27,194
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,268/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,835
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$730/mo
Today · 4.125%
HK$28,285
baseline
▲ 0.50% · 4.625%
HK$29,776
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,570/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,142
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,018
−HK$889/mo
Today · 4.125%
HK$29,907
baseline
▲ 0.50% · 4.625%
HK$31,727
+HK$1,820/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,814/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,308
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,147
−HK$852/mo
Today · 4.125%
HK$32,999
baseline
▲ 0.50% · 4.625%
HK$34,739
+HK$1,740/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,998/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,183
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,308
−HK$1,144/mo
Today · 4.125%
HK$38,452
baseline
▲ 0.50% · 4.625%
HK$40,791
+HK$2,339/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$76,904/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,253
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,332
−HK$1,096/mo
Today · 4.125%
HK$42,428
baseline
▲ 0.50% · 4.625%
HK$44,664
+HK$2,236/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$84,856/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,464 · 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).