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$20,159
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$637/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,727
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,427
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$610/mo
Today · 4.125%
HK$23,639
baseline
▲ 0.50% · 4.625%
HK$24,885
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,278/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,191
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,944
−HK$764/mo
Today · 4.125%
HK$25,708
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,416/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,913
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,634
−HK$733/mo
Today · 4.125%
HK$28,367
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,734/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,223
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,101
−HK$892/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,818
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,398
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,240
−HK$854/mo
Today · 4.125%
HK$33,094
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,188/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,287
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,416
−HK$1,146/mo
Today · 4.125%
HK$38,562
baseline
▲ 0.50% · 4.625%
HK$40,909
+HK$2,347/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,124/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,369
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,452
−HK$1,098/mo
Today · 4.125%
HK$42,550
baseline
▲ 0.50% · 4.625%
HK$44,793
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,100/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,226 · 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).