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$20,153
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,780
−HK$637/mo
Today · 4.125%
HK$21,417
baseline
▲ 0.50% · 4.625%
HK$22,720
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,834/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,420
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,021
−HK$610/mo
Today · 4.125%
HK$23,631
baseline
▲ 0.50% · 4.625%
HK$24,877
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,262/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,184
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,936
−HK$764/mo
Today · 4.125%
HK$25,700
baseline
▲ 0.50% · 4.625%
HK$27,264
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,400/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,904
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,626
−HK$732/mo
Today · 4.125%
HK$28,358
baseline
▲ 0.50% · 4.625%
HK$29,852
+HK$1,494/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,716/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,214
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,092
−HK$892/mo
Today · 4.125%
HK$29,984
baseline
▲ 0.50% · 4.625%
HK$31,808
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,968/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,388
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,230
−HK$854/mo
Today · 4.125%
HK$33,084
baseline
▲ 0.50% · 4.625%
HK$34,828
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,168/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,275
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,404
−HK$1,146/mo
Today · 4.125%
HK$38,550
baseline
▲ 0.50% · 4.625%
HK$40,896
+HK$2,346/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,100/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,356
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,438
−HK$1,098/mo
Today · 4.125%
HK$42,536
baseline
▲ 0.50% · 4.625%
HK$44,779
+HK$2,243/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,072/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,142 · 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).