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$20,148
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$637/mo
Today · 4.125%
HK$21,412
baseline
▲ 0.50% · 4.625%
HK$22,715
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,824/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,415
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,016
−HK$610/mo
Today · 4.125%
HK$23,626
baseline
▲ 0.50% · 4.625%
HK$24,871
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,252/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,178
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,930
−HK$764/mo
Today · 4.125%
HK$25,694
baseline
▲ 0.50% · 4.625%
HK$27,258
+HK$1,564/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,388/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,898
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$732/mo
Today · 4.125%
HK$28,351
baseline
▲ 0.50% · 4.625%
HK$29,845
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,702/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,208
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,085
−HK$891/mo
Today · 4.125%
HK$29,976
baseline
▲ 0.50% · 4.625%
HK$31,800
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,952/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,381
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,222
−HK$854/mo
Today · 4.125%
HK$33,076
baseline
▲ 0.50% · 4.625%
HK$34,820
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,152/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,267
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,395
−HK$1,146/mo
Today · 4.125%
HK$38,541
baseline
▲ 0.50% · 4.625%
HK$40,886
+HK$2,345/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,082/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,347
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,429
−HK$1,097/mo
Today · 4.125%
HK$42,526
baseline
▲ 0.50% · 4.625%
HK$44,768
+HK$2,242/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,052/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,080 · 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).