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$20,175
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,803
−HK$638/mo
Today · 4.125%
HK$21,441
baseline
▲ 0.50% · 4.625%
HK$22,745
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,882/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,445
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,047
−HK$611/mo
Today · 4.125%
HK$23,658
baseline
▲ 0.50% · 4.625%
HK$24,905
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,316/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,211
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,964
−HK$765/mo
Today · 4.125%
HK$25,729
baseline
▲ 0.50% · 4.625%
HK$27,294
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,458/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,934
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$733/mo
Today · 4.125%
HK$28,389
baseline
▲ 0.50% · 4.625%
HK$29,886
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,778/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,246
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,124
−HK$893/mo
Today · 4.125%
HK$30,017
baseline
▲ 0.50% · 4.625%
HK$31,843
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,034/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,423
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,266
−HK$855/mo
Today · 4.125%
HK$33,121
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,242/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,316
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,445
−HK$1,148/mo
Today · 4.125%
HK$38,593
baseline
▲ 0.50% · 4.625%
HK$40,941
+HK$2,348/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,186/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,401
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,484
−HK$1,100/mo
Today · 4.125%
HK$42,584
baseline
▲ 0.50% · 4.625%
HK$44,828
+HK$2,244/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,168/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,437 · 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).