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$20,112
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,738
−HK$636/mo
Today · 4.125%
HK$21,374
baseline
▲ 0.50% · 4.625%
HK$22,674
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,748/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,375
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,975
−HK$609/mo
Today · 4.125%
HK$23,584
baseline
▲ 0.50% · 4.625%
HK$24,827
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,168/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,135
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,886
−HK$762/mo
Today · 4.125%
HK$25,648
baseline
▲ 0.50% · 4.625%
HK$27,209
+HK$1,561/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,296/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,850
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,570
−HK$730/mo
Today · 4.125%
HK$28,300
baseline
▲ 0.50% · 4.625%
HK$29,792
+HK$1,492/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,600/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,157
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$29,033
−HK$890/mo
Today · 4.125%
HK$29,923
baseline
▲ 0.50% · 4.625%
HK$31,744
+HK$1,821/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$59,846/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,325
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$32,165
−HK$852/mo
Today · 4.125%
HK$33,017
baseline
▲ 0.50% · 4.625%
HK$34,758
+HK$1,741/mo
Deposit HK$2.65M · loan HK$6.17M · min. income ≈ HK$66,034/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,202
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$37,328
−HK$1,145/mo
Today · 4.125%
HK$38,473
baseline
▲ 0.50% · 4.625%
HK$40,814
+HK$2,341/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$76,946/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,275
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$41,355
−HK$1,096/mo
Today · 4.125%
HK$42,451
baseline
▲ 0.50% · 4.625%
HK$44,688
+HK$2,237/mo
Deposit HK$882K · loan HK$7.94M · min. income ≈ HK$84,902/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,608 · 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).