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$20,105
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,730
−HK$635/mo
Today · 4.125%
HK$21,365
baseline
▲ 0.50% · 4.625%
HK$22,665
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,730/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,366
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,966
−HK$609/mo
Today · 4.125%
HK$23,575
baseline
▲ 0.50% · 4.625%
HK$24,817
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,150/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,126
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,876
−HK$763/mo
Today · 4.125%
HK$25,639
baseline
▲ 0.50% · 4.625%
HK$27,199
+HK$1,560/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,278/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,559
−HK$731/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$29,781
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,147
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,022
−HK$890/mo
Today · 4.125%
HK$29,912
baseline
▲ 0.50% · 4.625%
HK$31,732
+HK$1,820/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,824/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,313
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,153
−HK$852/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$34,744
+HK$1,739/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,188
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$37,314
−HK$1,144/mo
Today · 4.125%
HK$38,458
baseline
▲ 0.50% · 4.625%
HK$40,798
+HK$2,340/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,916/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,259
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,339
−HK$1,095/mo
Today · 4.125%
HK$42,434
baseline
▲ 0.50% · 4.625%
HK$44,671
+HK$2,237/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,868/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,506 · 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).