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$20,141
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$636/mo
Today · 4.125%
HK$21,404
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,808/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,407
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,008
−HK$609/mo
Today · 4.125%
HK$23,617
baseline
▲ 0.50% · 4.625%
HK$24,862
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,234/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,169
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,921
−HK$764/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,888
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$732/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$29,835
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,198
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,075
−HK$891/mo
Today · 4.125%
HK$29,966
baseline
▲ 0.50% · 4.625%
HK$31,789
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,932/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,370
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,211
−HK$853/mo
Today · 4.125%
HK$33,064
baseline
▲ 0.50% · 4.625%
HK$34,807
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,128/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,254
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,382
−HK$1,146/mo
Today · 4.125%
HK$38,528
baseline
▲ 0.50% · 4.625%
HK$40,872
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,056/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,332
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,414
−HK$1,097/mo
Today · 4.125%
HK$42,511
baseline
▲ 0.50% · 4.625%
HK$44,752
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,022/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,986 · 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).