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$20,136
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,763
−HK$636/mo
Today · 4.125%
HK$21,399
baseline
▲ 0.50% · 4.625%
HK$22,701
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,798/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,402
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,002
−HK$610/mo
Today · 4.125%
HK$23,612
baseline
▲ 0.50% · 4.625%
HK$24,856
+HK$1,244/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,224/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,164
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,915
−HK$764/mo
Today · 4.125%
HK$25,679
baseline
▲ 0.50% · 4.625%
HK$27,241
+HK$1,562/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,358/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,882
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,603
−HK$731/mo
Today · 4.125%
HK$28,334
baseline
▲ 0.50% · 4.625%
HK$29,828
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,668/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,191
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,068
−HK$891/mo
Today · 4.125%
HK$29,959
baseline
▲ 0.50% · 4.625%
HK$31,782
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,918/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,362
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,203
−HK$854/mo
Today · 4.125%
HK$33,057
baseline
▲ 0.50% · 4.625%
HK$34,799
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,114/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,245
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,373
−HK$1,145/mo
Today · 4.125%
HK$38,518
baseline
▲ 0.50% · 4.625%
HK$40,862
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,036/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,323
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,404
−HK$1,097/mo
Today · 4.125%
HK$42,501
baseline
▲ 0.50% · 4.625%
HK$44,742
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,002/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,923 · 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).