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$20,098
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,723
−HK$635/mo
Today · 4.125%
HK$21,358
baseline
▲ 0.50% · 4.625%
HK$22,658
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,716/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,358
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,958
−HK$608/mo
Today · 4.125%
HK$23,566
baseline
▲ 0.50% · 4.625%
HK$24,809
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,132/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,117
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,867
−HK$763/mo
Today · 4.125%
HK$25,630
baseline
▲ 0.50% · 4.625%
HK$27,189
+HK$1,559/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,260/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,830
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,550
−HK$730/mo
Today · 4.125%
HK$28,280
baseline
▲ 0.50% · 4.625%
HK$29,770
+HK$1,490/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,560/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,137
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,012
−HK$889/mo
Today · 4.125%
HK$29,901
baseline
▲ 0.50% · 4.625%
HK$31,721
+HK$1,820/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,802/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,302
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,141
−HK$852/mo
Today · 4.125%
HK$32,993
baseline
▲ 0.50% · 4.625%
HK$34,732
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,986/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,176
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,301
−HK$1,143/mo
Today · 4.125%
HK$38,444
baseline
▲ 0.50% · 4.625%
HK$40,784
+HK$2,340/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,888/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,245
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,325
−HK$1,095/mo
Today · 4.125%
HK$42,420
baseline
▲ 0.50% · 4.625%
HK$44,656
+HK$2,236/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,840/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,414 · 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).