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$20,139
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,766
−HK$636/mo
Today · 4.125%
HK$21,402
baseline
▲ 0.50% · 4.625%
HK$22,705
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,804/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,405
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,006
−HK$609/mo
Today · 4.125%
HK$23,615
baseline
▲ 0.50% · 4.625%
HK$24,860
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,230/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,167
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,919
−HK$764/mo
Today · 4.125%
HK$25,683
baseline
▲ 0.50% · 4.625%
HK$27,245
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,366/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,886
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,607
−HK$731/mo
Today · 4.125%
HK$28,338
baseline
▲ 0.50% · 4.625%
HK$29,832
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,676/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,195
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,072
−HK$891/mo
Today · 4.125%
HK$29,963
baseline
▲ 0.50% · 4.625%
HK$31,786
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,926/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,367
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,208
−HK$853/mo
Today · 4.125%
HK$33,061
baseline
▲ 0.50% · 4.625%
HK$34,804
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,122/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,251
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,378
−HK$1,146/mo
Today · 4.125%
HK$38,524
baseline
▲ 0.50% · 4.625%
HK$40,868
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,048/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,329
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,410
−HK$1,097/mo
Today · 4.125%
HK$42,507
baseline
▲ 0.50% · 4.625%
HK$44,748
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,014/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,962 · 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).