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$20,122
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,748
−HK$635/mo
Today · 4.125%
HK$21,383
baseline
▲ 0.50% · 4.625%
HK$22,685
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,766/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,385
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,986
−HK$609/mo
Today · 4.125%
HK$23,595
baseline
▲ 0.50% · 4.625%
HK$24,838
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,190/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,146
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,897
−HK$763/mo
Today · 4.125%
HK$25,660
baseline
▲ 0.50% · 4.625%
HK$27,222
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,320/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,862
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,583
−HK$730/mo
Today · 4.125%
HK$28,313
baseline
▲ 0.50% · 4.625%
HK$29,806
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,626/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,170
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,047
−HK$890/mo
Today · 4.125%
HK$29,937
baseline
▲ 0.50% · 4.625%
HK$31,758
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,874/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,339
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$32,180
−HK$852/mo
Today · 4.125%
HK$33,032
baseline
▲ 0.50% · 4.625%
HK$34,774
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,064/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,219
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,346
−HK$1,144/mo
Today · 4.125%
HK$38,490
baseline
▲ 0.50% · 4.625%
HK$40,832
+HK$2,342/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,980/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,293
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$41,374
−HK$1,096/mo
Today · 4.125%
HK$42,470
baseline
▲ 0.50% · 4.625%
HK$44,709
+HK$2,239/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,940/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,729 · 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).