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$22,716
+HK$1,302/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$265,102 · 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$24,873
+HK$1,245/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$265,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,180
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,932
−HK$764/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,260
+HK$1,564/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,900
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,621
−HK$732/mo
Today · 4.125%
HK$28,353
baseline
▲ 0.50% · 4.625%
HK$29,848
+HK$1,495/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,706/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,210
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,087
−HK$892/mo
Today · 4.125%
HK$29,979
baseline
▲ 0.50% · 4.625%
HK$31,803
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,958/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,225
−HK$854/mo
Today · 4.125%
HK$33,079
baseline
▲ 0.50% · 4.625%
HK$34,822
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,158/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,270
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,398
−HK$1,146/mo
Today · 4.125%
HK$38,544
baseline
▲ 0.50% · 4.625%
HK$40,890
+HK$2,346/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,088/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,350
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,432
−HK$1,098/mo
Today · 4.125%
HK$42,530
baseline
▲ 0.50% · 4.625%
HK$44,772
+HK$2,242/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,060/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,102 · 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).