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$20,175
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,803
−HK$637/mo
Today · 4.125%
HK$21,440
baseline
▲ 0.50% · 4.625%
HK$22,745
+HK$1,305/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,880/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,445
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,047
−HK$610/mo
Today · 4.125%
HK$23,657
baseline
▲ 0.50% · 4.625%
HK$24,904
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,314/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,210
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,963
−HK$765/mo
Today · 4.125%
HK$25,728
baseline
▲ 0.50% · 4.625%
HK$27,294
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,456/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,934
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$733/mo
Today · 4.125%
HK$28,389
baseline
▲ 0.50% · 4.625%
HK$29,885
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,778/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,245
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,124
−HK$892/mo
Today · 4.125%
HK$30,016
baseline
▲ 0.50% · 4.625%
HK$31,843
+HK$1,827/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,032/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,423
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,265
−HK$855/mo
Today · 4.125%
HK$33,120
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,240/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,315
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,445
−HK$1,148/mo
Today · 4.125%
HK$38,593
baseline
▲ 0.50% · 4.625%
HK$40,941
+HK$2,348/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,186/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,400
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,484
−HK$1,099/mo
Today · 4.125%
HK$42,583
baseline
▲ 0.50% · 4.625%
HK$44,828
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,166/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,434 · 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).