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$20,134
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,760
−HK$636/mo
Today · 4.125%
HK$21,396
baseline
▲ 0.50% · 4.625%
HK$22,698
+HK$1,302/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,792/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,398
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,999
−HK$609/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$24,853
+HK$1,245/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,160
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,912
−HK$763/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,238
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,878
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,599
−HK$731/mo
Today · 4.125%
HK$28,330
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,660/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,187
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$29,064
−HK$890/mo
Today · 4.125%
HK$29,954
baseline
▲ 0.50% · 4.625%
HK$31,777
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,908/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,358
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,199
−HK$853/mo
Today · 4.125%
HK$33,052
baseline
▲ 0.50% · 4.625%
HK$34,794
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,104/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,240
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,368
−HK$1,145/mo
Today · 4.125%
HK$38,513
baseline
▲ 0.50% · 4.625%
HK$40,856
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,026/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,317
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,398
−HK$1,097/mo
Today · 4.125%
HK$42,495
baseline
▲ 0.50% · 4.625%
HK$44,735
+HK$2,240/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,990/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,885 · 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).