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$20,159
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,786
−HK$637/mo
Today · 4.125%
HK$21,423
baseline
▲ 0.50% · 4.625%
HK$22,727
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,846/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,427
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,028
−HK$610/mo
Today · 4.125%
HK$23,638
baseline
▲ 0.50% · 4.625%
HK$24,885
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,276/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,191
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,943
−HK$765/mo
Today · 4.125%
HK$25,708
baseline
▲ 0.50% · 4.625%
HK$27,272
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,416/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,912
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,634
−HK$732/mo
Today · 4.125%
HK$28,366
baseline
▲ 0.50% · 4.625%
HK$29,861
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,732/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,223
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,101
−HK$892/mo
Today · 4.125%
HK$29,993
baseline
▲ 0.50% · 4.625%
HK$31,818
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,986/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,398
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,240
−HK$854/mo
Today · 4.125%
HK$33,094
baseline
▲ 0.50% · 4.625%
HK$34,838
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,188/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,286
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,415
−HK$1,147/mo
Today · 4.125%
HK$38,562
baseline
▲ 0.50% · 4.625%
HK$40,908
+HK$2,346/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,124/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,368
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,451
−HK$1,098/mo
Today · 4.125%
HK$42,549
baseline
▲ 0.50% · 4.625%
HK$44,792
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,098/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,223 · 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).