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$20,174
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,801
−HK$638/mo
Today · 4.125%
HK$21,439
baseline
▲ 0.50% · 4.625%
HK$22,743
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,878/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,443
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,045
−HK$611/mo
Today · 4.125%
HK$23,656
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,312/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,208
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,962
−HK$765/mo
Today · 4.125%
HK$25,727
baseline
▲ 0.50% · 4.625%
HK$27,292
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,454/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,932
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,654
−HK$733/mo
Today · 4.125%
HK$28,387
baseline
▲ 0.50% · 4.625%
HK$29,883
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,774/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,243
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,122
−HK$892/mo
Today · 4.125%
HK$30,014
baseline
▲ 0.50% · 4.625%
HK$31,841
+HK$1,827/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,028/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,420
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,263
−HK$855/mo
Today · 4.125%
HK$33,118
baseline
▲ 0.50% · 4.625%
HK$34,864
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,236/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,313
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,442
−HK$1,148/mo
Today · 4.125%
HK$38,590
baseline
▲ 0.50% · 4.625%
HK$40,938
+HK$2,348/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,180/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,398
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,481
−HK$1,099/mo
Today · 4.125%
HK$42,580
baseline
▲ 0.50% · 4.625%
HK$44,825
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,160/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,415 · 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).