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$20,147
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,774
−HK$637/mo
Today · 4.125%
HK$21,411
baseline
▲ 0.50% · 4.625%
HK$22,713
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,822/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,414
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$610/mo
Today · 4.125%
HK$23,625
baseline
▲ 0.50% · 4.625%
HK$24,870
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,250/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,177
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,929
−HK$764/mo
Today · 4.125%
HK$25,693
baseline
▲ 0.50% · 4.625%
HK$27,256
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,386/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,896
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,618
−HK$731/mo
Today · 4.125%
HK$28,349
baseline
▲ 0.50% · 4.625%
HK$29,844
+HK$1,495/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,698/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,206
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,084
−HK$891/mo
Today · 4.125%
HK$29,975
baseline
▲ 0.50% · 4.625%
HK$31,799
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,950/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,379
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,221
−HK$853/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$34,818
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,265
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,393
−HK$1,146/mo
Today · 4.125%
HK$38,539
baseline
▲ 0.50% · 4.625%
HK$40,884
+HK$2,345/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,078/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,345
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,427
−HK$1,097/mo
Today · 4.125%
HK$42,524
baseline
▲ 0.50% · 4.625%
HK$44,766
+HK$2,242/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,048/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,066 · 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).