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$20,167
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,794
−HK$638/mo
Today · 4.125%
HK$21,432
baseline
▲ 0.50% · 4.625%
HK$22,736
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,864/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,436
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,038
−HK$610/mo
Today · 4.125%
HK$23,648
baseline
▲ 0.50% · 4.625%
HK$24,894
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,296/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,201
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,953
−HK$765/mo
Today · 4.125%
HK$25,718
baseline
▲ 0.50% · 4.625%
HK$27,283
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,436/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,923
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,645
−HK$733/mo
Today · 4.125%
HK$28,378
baseline
▲ 0.50% · 4.625%
HK$29,873
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,756/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,234
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,112
−HK$893/mo
Today · 4.125%
HK$30,005
baseline
▲ 0.50% · 4.625%
HK$31,830
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,010/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,410
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,253
−HK$854/mo
Today · 4.125%
HK$33,107
baseline
▲ 0.50% · 4.625%
HK$34,852
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,214/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,301
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,430
−HK$1,147/mo
Today · 4.125%
HK$38,577
baseline
▲ 0.50% · 4.625%
HK$40,925
+HK$2,348/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,154/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,384
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,468
−HK$1,098/mo
Today · 4.125%
HK$42,566
baseline
▲ 0.50% · 4.625%
HK$44,810
+HK$2,244/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,132/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,328 · 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).