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$20,166
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,793
−HK$637/mo
Today · 4.125%
HK$21,430
baseline
▲ 0.50% · 4.625%
HK$22,734
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,860/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,434
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,036
−HK$610/mo
Today · 4.125%
HK$23,646
baseline
▲ 0.50% · 4.625%
HK$24,892
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,292/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,199
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,951
−HK$765/mo
Today · 4.125%
HK$25,716
baseline
▲ 0.50% · 4.625%
HK$27,281
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,432/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,921
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,643
−HK$732/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$29,871
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,232
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,110
−HK$892/mo
Today · 4.125%
HK$30,002
baseline
▲ 0.50% · 4.625%
HK$31,828
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,004/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,408
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,250
−HK$854/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$34,849
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,208/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,298
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,427
−HK$1,147/mo
Today · 4.125%
HK$38,574
baseline
▲ 0.50% · 4.625%
HK$40,921
+HK$2,347/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,148/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,381
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,099/mo
Today · 4.125%
HK$42,563
baseline
▲ 0.50% · 4.625%
HK$44,806
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,126/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,307 · 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).