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$20,165
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,792
−HK$638/mo
Today · 4.125%
HK$21,430
baseline
▲ 0.50% · 4.625%
HK$22,734
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,860/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,433
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,035
−HK$610/mo
Today · 4.125%
HK$23,645
baseline
▲ 0.50% · 4.625%
HK$24,892
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,290/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,198
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,951
−HK$765/mo
Today · 4.125%
HK$25,716
baseline
▲ 0.50% · 4.625%
HK$27,280
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,432/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,920
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,642
−HK$733/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$29,870
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,231
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,109
−HK$892/mo
Today · 4.125%
HK$30,001
baseline
▲ 0.50% · 4.625%
HK$31,827
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,002/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,407
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,249
−HK$855/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$34,849
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,208/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,297
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,426
−HK$1,147/mo
Today · 4.125%
HK$38,573
baseline
▲ 0.50% · 4.625%
HK$40,920
+HK$2,347/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,146/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,380
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,463
−HK$1,099/mo
Today · 4.125%
HK$42,562
baseline
▲ 0.50% · 4.625%
HK$44,805
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,124/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,301 · 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).