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$20,115
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,741
−HK$635/mo
Today · 4.125%
HK$21,376
baseline
▲ 0.50% · 4.625%
HK$22,677
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,752/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,378
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,978
−HK$609/mo
Today · 4.125%
HK$23,587
baseline
▲ 0.50% · 4.625%
HK$24,830
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,174/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,138
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$762/mo
Today · 4.125%
HK$25,651
baseline
▲ 0.50% · 4.625%
HK$27,212
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,302/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,853
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,573
−HK$731/mo
Today · 4.125%
HK$28,304
baseline
▲ 0.50% · 4.625%
HK$29,796
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,608/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,161
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,037
−HK$890/mo
Today · 4.125%
HK$29,927
baseline
▲ 0.50% · 4.625%
HK$31,748
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,854/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,329
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,169
−HK$852/mo
Today · 4.125%
HK$33,021
baseline
▲ 0.50% · 4.625%
HK$34,762
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,042/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,207
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,333
−HK$1,144/mo
Today · 4.125%
HK$38,477
baseline
▲ 0.50% · 4.625%
HK$40,818
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,954/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,280
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,360
−HK$1,096/mo
Today · 4.125%
HK$42,456
baseline
▲ 0.50% · 4.625%
HK$44,694
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,912/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,640 · 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).