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$20,141
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$637/mo
Today · 4.125%
HK$21,405
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,810/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,407
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,008
−HK$610/mo
Today · 4.125%
HK$23,618
baseline
▲ 0.50% · 4.625%
HK$24,863
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,236/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,170
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$763/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,889
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,610
−HK$731/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$29,835
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,198
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,075
−HK$891/mo
Today · 4.125%
HK$29,966
baseline
▲ 0.50% · 4.625%
HK$31,790
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,932/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,370
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,211
−HK$854/mo
Today · 4.125%
HK$33,065
baseline
▲ 0.50% · 4.625%
HK$34,808
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,130/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,255
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,382
−HK$1,146/mo
Today · 4.125%
HK$38,528
baseline
▲ 0.50% · 4.625%
HK$40,872
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,056/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,333
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,415
−HK$1,097/mo
Today · 4.125%
HK$42,512
baseline
▲ 0.50% · 4.625%
HK$44,753
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,024/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,990 · 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).