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$20,124
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,750
−HK$636/mo
Today · 4.125%
HK$21,386
baseline
▲ 0.50% · 4.625%
HK$22,688
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,772/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,388
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,989
−HK$609/mo
Today · 4.125%
HK$23,598
baseline
▲ 0.50% · 4.625%
HK$24,842
+HK$1,244/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,196/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,149
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,900
−HK$764/mo
Today · 4.125%
HK$25,664
baseline
▲ 0.50% · 4.625%
HK$27,225
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,328/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,866
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,586
−HK$731/mo
Today · 4.125%
HK$28,317
baseline
▲ 0.50% · 4.625%
HK$29,810
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,634/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,174
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,050
−HK$891/mo
Today · 4.125%
HK$29,941
baseline
▲ 0.50% · 4.625%
HK$31,763
+HK$1,822/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,882/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,343
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,184
−HK$853/mo
Today · 4.125%
HK$33,037
baseline
▲ 0.50% · 4.625%
HK$34,778
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,074/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,224
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,351
−HK$1,144/mo
Today · 4.125%
HK$38,495
baseline
▲ 0.50% · 4.625%
HK$40,838
+HK$2,343/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$76,990/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,299
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,379
−HK$1,097/mo
Today · 4.125%
HK$42,476
baseline
▲ 0.50% · 4.625%
HK$44,715
+HK$2,239/mo
Deposit HK$883K · loan HK$7.94M · min. income ≈ HK$84,952/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,765 · 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).