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$20,149
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$637/mo
Today · 4.125%
HK$21,412
baseline
▲ 0.50% · 4.625%
HK$22,715
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,824/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,415
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,016
−HK$610/mo
Today · 4.125%
HK$23,626
baseline
▲ 0.50% · 4.625%
HK$24,872
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,252/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,178
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,931
−HK$764/mo
Today · 4.125%
HK$25,695
baseline
▲ 0.50% · 4.625%
HK$27,258
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,390/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,898
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,620
−HK$732/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$29,846
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,208
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,086
−HK$891/mo
Today · 4.125%
HK$29,977
baseline
▲ 0.50% · 4.625%
HK$31,801
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,954/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,381
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,223
−HK$854/mo
Today · 4.125%
HK$33,077
baseline
▲ 0.50% · 4.625%
HK$34,820
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,154/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,268
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,396
−HK$1,146/mo
Today · 4.125%
HK$38,542
baseline
▲ 0.50% · 4.625%
HK$40,887
+HK$2,345/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,084/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,347
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,430
−HK$1,097/mo
Today · 4.125%
HK$42,527
baseline
▲ 0.50% · 4.625%
HK$44,769
+HK$2,242/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,054/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,086 · 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).