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$20,131
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,758
−HK$636/mo
Today · 4.125%
HK$21,394
baseline
▲ 0.50% · 4.625%
HK$22,696
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,788/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,396
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,997
−HK$609/mo
Today · 4.125%
HK$23,606
baseline
▲ 0.50% · 4.625%
HK$24,850
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,212/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,158
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,909
−HK$764/mo
Today · 4.125%
HK$25,673
baseline
▲ 0.50% · 4.625%
HK$27,235
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,346/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,875
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,596
−HK$731/mo
Today · 4.125%
HK$28,327
baseline
▲ 0.50% · 4.625%
HK$29,820
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,654/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,184
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,061
−HK$890/mo
Today · 4.125%
HK$29,951
baseline
▲ 0.50% · 4.625%
HK$31,774
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,902/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,354
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,195
−HK$853/mo
Today · 4.125%
HK$33,048
baseline
▲ 0.50% · 4.625%
HK$34,790
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,096/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,236
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,364
−HK$1,145/mo
Today · 4.125%
HK$38,509
baseline
▲ 0.50% · 4.625%
HK$40,852
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,018/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,313
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,394
−HK$1,097/mo
Today · 4.125%
HK$42,491
baseline
▲ 0.50% · 4.625%
HK$44,730
+HK$2,239/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,982/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,857 · 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).