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$20,152
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,779
−HK$637/mo
Today · 4.125%
HK$21,416
baseline
▲ 0.50% · 4.625%
HK$22,719
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,832/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,419
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,021
−HK$610/mo
Today · 4.125%
HK$23,631
baseline
▲ 0.50% · 4.625%
HK$24,876
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,262/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,183
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$764/mo
Today · 4.125%
HK$25,699
baseline
▲ 0.50% · 4.625%
HK$27,263
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,398/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,903
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$732/mo
Today · 4.125%
HK$28,357
baseline
▲ 0.50% · 4.625%
HK$29,852
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,714/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,213
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,091
−HK$892/mo
Today · 4.125%
HK$29,983
baseline
▲ 0.50% · 4.625%
HK$31,807
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,966/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,387
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,229
−HK$854/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$34,827
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,274
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,403
−HK$1,146/mo
Today · 4.125%
HK$38,549
baseline
▲ 0.50% · 4.625%
HK$40,895
+HK$2,346/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,098/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,355
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,437
−HK$1,098/mo
Today · 4.125%
HK$42,535
baseline
▲ 0.50% · 4.625%
HK$44,777
+HK$2,242/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,070/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,135 · 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).