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$20,177
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$637/mo
Today · 4.125%
HK$21,442
baseline
▲ 0.50% · 4.625%
HK$22,747
+HK$1,305/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,884/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,447
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$611/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$24,907
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$765/mo
Today · 4.125%
HK$25,731
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,462/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,936
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$733/mo
Today · 4.125%
HK$28,392
baseline
▲ 0.50% · 4.625%
HK$29,888
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,784/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,248
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,127
−HK$892/mo
Today · 4.125%
HK$30,019
baseline
▲ 0.50% · 4.625%
HK$31,846
+HK$1,827/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,038/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,426
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,268
−HK$856/mo
Today · 4.125%
HK$33,124
baseline
▲ 0.50% · 4.625%
HK$34,869
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,248/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,319
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$1,147/mo
Today · 4.125%
HK$38,596
baseline
▲ 0.50% · 4.625%
HK$40,945
+HK$2,349/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,192/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,404
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,488
−HK$1,099/mo
Today · 4.125%
HK$42,587
baseline
▲ 0.50% · 4.625%
HK$44,832
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,174/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,460 · 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).