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$20,093
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,718
−HK$635/mo
Today · 4.125%
HK$21,353
baseline
▲ 0.50% · 4.625%
HK$22,653
+HK$1,300/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$42,706/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,354
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,953
−HK$608/mo
Today · 4.125%
HK$23,561
baseline
▲ 0.50% · 4.625%
HK$24,803
+HK$1,242/mo
Deposit HK$4.41M · loan HK$4.41M · min. income ≈ HK$47,122/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$264,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,112
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,862
−HK$762/mo
Today · 4.125%
HK$25,624
baseline
▲ 0.50% · 4.625%
HK$27,183
+HK$1,559/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$51,248/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,824
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,544
−HK$730/mo
Today · 4.125%
HK$28,274
baseline
▲ 0.50% · 4.625%
HK$29,764
+HK$1,490/mo
Deposit HK$3.52M · loan HK$5.29M · min. income ≈ HK$56,548/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$264,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,131
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$29,006
−HK$889/mo
Today · 4.125%
HK$29,895
baseline
▲ 0.50% · 4.625%
HK$31,714
+HK$1,819/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$59,790/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,295
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$852/mo
Today · 4.125%
HK$32,986
baseline
▲ 0.50% · 4.625%
HK$34,725
+HK$1,739/mo
Deposit HK$2.64M · loan HK$6.17M · min. income ≈ HK$65,972/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,168
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$37,293
−HK$1,143/mo
Today · 4.125%
HK$38,436
baseline
▲ 0.50% · 4.625%
HK$40,775
+HK$2,339/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$76,872/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,237
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$41,316
−HK$1,094/mo
Today · 4.125%
HK$42,410
baseline
▲ 0.50% · 4.625%
HK$44,646
+HK$2,236/mo
Deposit HK$881K · loan HK$7.93M · min. income ≈ HK$84,820/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,357 · 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).