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$20,154
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,781
−HK$637/mo
Today · 4.125%
HK$21,418
baseline
▲ 0.50% · 4.625%
HK$22,722
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,836/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,422
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,023
−HK$610/mo
Today · 4.125%
HK$23,633
baseline
▲ 0.50% · 4.625%
HK$24,879
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,266/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,185
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,938
−HK$764/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,266
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,906
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,628
−HK$732/mo
Today · 4.125%
HK$28,360
baseline
▲ 0.50% · 4.625%
HK$29,854
+HK$1,494/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,720/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,216
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,094
−HK$892/mo
Today · 4.125%
HK$29,986
baseline
▲ 0.50% · 4.625%
HK$31,810
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,972/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,390
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,232
−HK$854/mo
Today · 4.125%
HK$33,086
baseline
▲ 0.50% · 4.625%
HK$34,830
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,172/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,278
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,406
−HK$1,147/mo
Today · 4.125%
HK$38,553
baseline
▲ 0.50% · 4.625%
HK$40,899
+HK$2,346/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,106/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,359
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,441
−HK$1,098/mo
Today · 4.125%
HK$42,539
baseline
▲ 0.50% · 4.625%
HK$44,782
+HK$2,243/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,078/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,161 · 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).