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$20,173
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,800
−HK$638/mo
Today · 4.125%
HK$21,438
baseline
▲ 0.50% · 4.625%
HK$22,742
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,876/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,442
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,044
−HK$610/mo
Today · 4.125%
HK$23,654
baseline
▲ 0.50% · 4.625%
HK$24,901
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,308/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,207
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$765/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,290
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,930
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,652
−HK$733/mo
Today · 4.125%
HK$28,385
baseline
▲ 0.50% · 4.625%
HK$29,881
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,770/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,242
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,120
−HK$893/mo
Today · 4.125%
HK$30,013
baseline
▲ 0.50% · 4.625%
HK$31,839
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,026/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,418
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,261
−HK$855/mo
Today · 4.125%
HK$33,116
baseline
▲ 0.50% · 4.625%
HK$34,861
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,232/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,311
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,440
−HK$1,148/mo
Today · 4.125%
HK$38,588
baseline
▲ 0.50% · 4.625%
HK$40,935
+HK$2,347/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,176/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,395
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,478
−HK$1,100/mo
Today · 4.125%
HK$42,578
baseline
▲ 0.50% · 4.625%
HK$44,822
+HK$2,244/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,156/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,399 · 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).