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$20,090
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,715
−HK$635/mo
Today · 4.125%
HK$21,350
baseline
▲ 0.50% · 4.625%
HK$22,649
+HK$1,299/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,700/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,350
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,949
−HK$608/mo
Today · 4.125%
HK$23,557
baseline
▲ 0.50% · 4.625%
HK$24,799
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,114/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,108
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,858
−HK$762/mo
Today · 4.125%
HK$25,620
baseline
▲ 0.50% · 4.625%
HK$27,179
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,240/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,820
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,539
−HK$730/mo
Today · 4.125%
HK$28,269
baseline
▲ 0.50% · 4.625%
HK$29,759
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,538/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,126
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,001
−HK$889/mo
Today · 4.125%
HK$29,890
baseline
▲ 0.50% · 4.625%
HK$31,709
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,780/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,290
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$32,129
−HK$851/mo
Today · 4.125%
HK$32,980
baseline
▲ 0.50% · 4.625%
HK$34,719
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,960/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,162
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,287
−HK$1,143/mo
Today · 4.125%
HK$38,430
baseline
▲ 0.50% · 4.625%
HK$40,768
+HK$2,338/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,860/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,230
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,309
−HK$1,094/mo
Today · 4.125%
HK$42,403
baseline
▲ 0.50% · 4.625%
HK$44,639
+HK$2,236/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,806/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,313 · 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).