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$1,264/mo
▼ 0.25% · 3.875%
HK$20,777
−HK$637/mo
Today · 4.125%
HK$21,414
baseline
▲ 0.50% · 4.625%
HK$22,717
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,828/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,417
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,018
−HK$610/mo
Today · 4.125%
HK$23,628
baseline
▲ 0.50% · 4.625%
HK$24,874
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,256/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,181
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,933
−HK$764/mo
Today · 4.125%
HK$25,697
baseline
▲ 0.50% · 4.625%
HK$27,260
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,394/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,901
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,622
−HK$732/mo
Today · 4.125%
HK$28,354
baseline
▲ 0.50% · 4.625%
HK$29,849
+HK$1,495/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,708/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,211
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,088
−HK$892/mo
Today · 4.125%
HK$29,980
baseline
▲ 0.50% · 4.625%
HK$31,804
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,960/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,384
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,226
−HK$854/mo
Today · 4.125%
HK$33,080
baseline
▲ 0.50% · 4.625%
HK$34,823
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,160/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,271
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,399
−HK$1,146/mo
Today · 4.125%
HK$38,545
baseline
▲ 0.50% · 4.625%
HK$40,891
+HK$2,346/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,090/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,351
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,433
−HK$1,098/mo
Today · 4.125%
HK$42,531
baseline
▲ 0.50% · 4.625%
HK$44,773
+HK$2,242/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,062/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,108 · 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).