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$20,113
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,739
−HK$636/mo
Today · 4.125%
HK$21,375
baseline
▲ 0.50% · 4.625%
HK$22,675
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,750/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,376
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,976
−HK$609/mo
Today · 4.125%
HK$23,585
baseline
▲ 0.50% · 4.625%
HK$24,828
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,170/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,136
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,887
−HK$762/mo
Today · 4.125%
HK$25,649
baseline
▲ 0.50% · 4.625%
HK$27,210
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,298/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,851
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,571
−HK$731/mo
Today · 4.125%
HK$28,302
baseline
▲ 0.50% · 4.625%
HK$29,793
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,604/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,159
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,034
−HK$890/mo
Today · 4.125%
HK$29,924
baseline
▲ 0.50% · 4.625%
HK$31,745
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,848/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,326
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,166
−HK$853/mo
Today · 4.125%
HK$33,019
baseline
▲ 0.50% · 4.625%
HK$34,759
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,038/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,204
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,330
−HK$1,144/mo
Today · 4.125%
HK$38,474
baseline
▲ 0.50% · 4.625%
HK$40,815
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,948/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,276
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,357
−HK$1,095/mo
Today · 4.125%
HK$42,452
baseline
▲ 0.50% · 4.625%
HK$44,690
+HK$2,238/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,904/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,619 · 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).