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$20,109
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,735
−HK$635/mo
Today · 4.125%
HK$21,370
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,301/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,740/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,971
−HK$609/mo
Today · 4.125%
HK$23,580
baseline
▲ 0.50% · 4.625%
HK$24,823
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,160/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,131
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$762/mo
Today · 4.125%
HK$25,644
baseline
▲ 0.50% · 4.625%
HK$27,205
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,288/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,846
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,566
−HK$730/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$29,788
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,153
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,029
−HK$889/mo
Today · 4.125%
HK$29,918
baseline
▲ 0.50% · 4.625%
HK$31,739
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,836/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,320
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,160
−HK$852/mo
Today · 4.125%
HK$33,012
baseline
▲ 0.50% · 4.625%
HK$34,752
+HK$1,740/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,024/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,197
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,323
−HK$1,144/mo
Today · 4.125%
HK$38,467
baseline
▲ 0.50% · 4.625%
HK$40,807
+HK$2,340/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,934/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,268
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,348
−HK$1,096/mo
Today · 4.125%
HK$42,444
baseline
▲ 0.50% · 4.625%
HK$44,681
+HK$2,237/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,888/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,567 · 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).