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$20,126
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,752
−HK$636/mo
Today · 4.125%
HK$21,388
baseline
▲ 0.50% · 4.625%
HK$22,689
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,776/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,390
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,990
−HK$610/mo
Today · 4.125%
HK$23,600
baseline
▲ 0.50% · 4.625%
HK$24,844
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,200/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,151
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,902
−HK$764/mo
Today · 4.125%
HK$25,666
baseline
▲ 0.50% · 4.625%
HK$27,227
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,332/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,868
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,589
−HK$731/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$29,812
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,176
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,053
−HK$890/mo
Today · 4.125%
HK$29,943
baseline
▲ 0.50% · 4.625%
HK$31,765
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,886/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,346
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,187
−HK$852/mo
Today · 4.125%
HK$33,039
baseline
▲ 0.50% · 4.625%
HK$34,781
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,078/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,227
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,354
−HK$1,144/mo
Today · 4.125%
HK$38,498
baseline
▲ 0.50% · 4.625%
HK$40,841
+HK$2,343/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$76,996/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,302
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,383
−HK$1,096/mo
Today · 4.125%
HK$42,479
baseline
▲ 0.50% · 4.625%
HK$44,718
+HK$2,239/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,958/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,786 · 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).