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$20,156
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,783
−HK$637/mo
Today · 4.125%
HK$21,420
baseline
▲ 0.50% · 4.625%
HK$22,724
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,840/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,424
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,025
−HK$610/mo
Today · 4.125%
HK$23,635
baseline
▲ 0.50% · 4.625%
HK$24,881
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,270/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,188
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,940
−HK$764/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,269
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,909
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,630
−HK$732/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$29,857
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,219
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,097
−HK$892/mo
Today · 4.125%
HK$29,989
baseline
▲ 0.50% · 4.625%
HK$31,813
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,978/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,393
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,235
−HK$854/mo
Today · 4.125%
HK$33,089
baseline
▲ 0.50% · 4.625%
HK$34,834
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,178/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,282
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,410
−HK$1,147/mo
Today · 4.125%
HK$38,557
baseline
▲ 0.50% · 4.625%
HK$40,903
+HK$2,346/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,114/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,363
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,445
−HK$1,099/mo
Today · 4.125%
HK$42,544
baseline
▲ 0.50% · 4.625%
HK$44,786
+HK$2,242/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,088/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,187 · 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).