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$20,177
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$637/mo
Today · 4.125%
HK$21,442
baseline
▲ 0.50% · 4.625%
HK$22,747
+HK$1,305/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,884/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,447
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$610/mo
Today · 4.125%
HK$23,659
baseline
▲ 0.50% · 4.625%
HK$24,906
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,318/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,212
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,965
−HK$766/mo
Today · 4.125%
HK$25,731
baseline
▲ 0.50% · 4.625%
HK$27,296
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,462/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,936
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,658
−HK$733/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$29,888
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,248
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,126
−HK$893/mo
Today · 4.125%
HK$30,019
baseline
▲ 0.50% · 4.625%
HK$31,846
+HK$1,827/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,038/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,425
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,268
−HK$855/mo
Today · 4.125%
HK$33,123
baseline
▲ 0.50% · 4.625%
HK$34,869
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,246/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,318
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,448
−HK$1,148/mo
Today · 4.125%
HK$38,596
baseline
▲ 0.50% · 4.625%
HK$40,944
+HK$2,348/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,192/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,404
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,488
−HK$1,099/mo
Today · 4.125%
HK$42,587
baseline
▲ 0.50% · 4.625%
HK$44,832
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,174/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,457 · 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).