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$20,150
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,776
−HK$637/mo
Today · 4.125%
HK$21,413
baseline
▲ 0.50% · 4.625%
HK$22,716
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,826/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,416
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,017
−HK$610/mo
Today · 4.125%
HK$23,627
baseline
▲ 0.50% · 4.625%
HK$24,873
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,254/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,179
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,932
−HK$764/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,259
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,899
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,621
−HK$732/mo
Today · 4.125%
HK$28,353
baseline
▲ 0.50% · 4.625%
HK$29,847
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,706/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,209
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,087
−HK$891/mo
Today · 4.125%
HK$29,978
baseline
▲ 0.50% · 4.625%
HK$31,802
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,956/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,224
−HK$854/mo
Today · 4.125%
HK$33,078
baseline
▲ 0.50% · 4.625%
HK$34,822
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,156/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,269
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,397
−HK$1,147/mo
Today · 4.125%
HK$38,544
baseline
▲ 0.50% · 4.625%
HK$40,889
+HK$2,345/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,088/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,349
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,431
−HK$1,098/mo
Today · 4.125%
HK$42,529
baseline
▲ 0.50% · 4.625%
HK$44,771
+HK$2,242/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,058/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,096 · 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).