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$20,101
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,726
−HK$635/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,661
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,362
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$608/mo
Today · 4.125%
HK$23,570
baseline
▲ 0.50% · 4.625%
HK$24,813
+HK$1,243/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,140/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,121
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$763/mo
Today · 4.125%
HK$25,634
baseline
▲ 0.50% · 4.625%
HK$27,193
+HK$1,559/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$51,268/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,834
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,554
−HK$730/mo
Today · 4.125%
HK$28,284
baseline
▲ 0.50% · 4.625%
HK$29,775
+HK$1,491/mo
Deposit HK$3.53M · loan HK$5.29M · min. income ≈ HK$56,568/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,141
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$29,017
−HK$889/mo
Today · 4.125%
HK$29,906
baseline
▲ 0.50% · 4.625%
HK$31,726
+HK$1,820/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,812/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,307
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,146
−HK$852/mo
Today · 4.125%
HK$32,998
baseline
▲ 0.50% · 4.625%
HK$34,738
+HK$1,740/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,996/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,182
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,307
−HK$1,144/mo
Today · 4.125%
HK$38,451
baseline
▲ 0.50% · 4.625%
HK$40,790
+HK$2,339/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$76,902/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,252
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$41,331
−HK$1,095/mo
Today · 4.125%
HK$42,426
baseline
▲ 0.50% · 4.625%
HK$44,663
+HK$2,237/mo
Deposit HK$882K · loan HK$7.93M · min. income ≈ HK$84,852/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,456 · 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).