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$20,156
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$637/mo
Today · 4.125%
HK$21,420
baseline
▲ 0.50% · 4.625%
HK$22,723
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,840/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,423
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,025
−HK$610/mo
Today · 4.125%
HK$23,635
baseline
▲ 0.50% · 4.625%
HK$24,881
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,270/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,187
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,939
−HK$765/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,268
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,908
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,630
−HK$732/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$29,857
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,218
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,096
−HK$892/mo
Today · 4.125%
HK$29,988
baseline
▲ 0.50% · 4.625%
HK$31,813
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,976/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,393
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,235
−HK$854/mo
Today · 4.125%
HK$33,089
baseline
▲ 0.50% · 4.625%
HK$34,833
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,178/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,281
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,409
−HK$1,147/mo
Today · 4.125%
HK$38,556
baseline
▲ 0.50% · 4.625%
HK$40,902
+HK$2,346/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,112/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,362
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,444
−HK$1,099/mo
Today · 4.125%
HK$42,543
baseline
▲ 0.50% · 4.625%
HK$44,785
+HK$2,242/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,086/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,181 · 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).