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$20,145
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,772
−HK$637/mo
Today · 4.125%
HK$21,409
baseline
▲ 0.50% · 4.625%
HK$22,711
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,818/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,411
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,012
−HK$610/mo
Today · 4.125%
HK$23,622
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,244/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,174
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,926
−HK$764/mo
Today · 4.125%
HK$25,690
baseline
▲ 0.50% · 4.625%
HK$27,253
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,380/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,894
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$732/mo
Today · 4.125%
HK$28,347
baseline
▲ 0.50% · 4.625%
HK$29,841
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,694/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,203
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$891/mo
Today · 4.125%
HK$29,972
baseline
▲ 0.50% · 4.625%
HK$31,796
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,944/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,376
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$854/mo
Today · 4.125%
HK$33,071
baseline
▲ 0.50% · 4.625%
HK$34,814
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,142/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,261
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,389
−HK$1,146/mo
Today · 4.125%
HK$38,535
baseline
▲ 0.50% · 4.625%
HK$40,880
+HK$2,345/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,070/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,340
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,422
−HK$1,098/mo
Today · 4.125%
HK$42,520
baseline
▲ 0.50% · 4.625%
HK$44,761
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,040/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,039 · 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).