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$20,103
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,729
−HK$635/mo
Today · 4.125%
HK$21,364
baseline
▲ 0.50% · 4.625%
HK$22,664
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,728/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,365
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,965
−HK$608/mo
Today · 4.125%
HK$23,573
baseline
▲ 0.50% · 4.625%
HK$24,816
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,146/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,124
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,874
−HK$763/mo
Today · 4.125%
HK$25,637
baseline
▲ 0.50% · 4.625%
HK$27,197
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,274/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,838
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,558
−HK$730/mo
Today · 4.125%
HK$28,288
baseline
▲ 0.50% · 4.625%
HK$29,779
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,576/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,145
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,020
−HK$890/mo
Today · 4.125%
HK$29,910
baseline
▲ 0.50% · 4.625%
HK$31,730
+HK$1,820/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,820/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,311
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,151
−HK$851/mo
Today · 4.125%
HK$33,002
baseline
▲ 0.50% · 4.625%
HK$34,742
+HK$1,740/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$66,004/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,186
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,312
−HK$1,143/mo
Today · 4.125%
HK$38,455
baseline
▲ 0.50% · 4.625%
HK$40,795
+HK$2,340/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$76,910/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,257
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,336
−HK$1,096/mo
Today · 4.125%
HK$42,432
baseline
▲ 0.50% · 4.625%
HK$44,668
+HK$2,236/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$84,864/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,489 · 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).