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$20,135
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,761
−HK$637/mo
Today · 4.125%
HK$21,398
baseline
▲ 0.50% · 4.625%
HK$22,700
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,796/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,400
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,001
−HK$609/mo
Today · 4.125%
HK$23,610
baseline
▲ 0.50% · 4.625%
HK$24,855
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,220/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,162
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,914
−HK$763/mo
Today · 4.125%
HK$25,677
baseline
▲ 0.50% · 4.625%
HK$27,240
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,354/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,880
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,601
−HK$731/mo
Today · 4.125%
HK$28,332
baseline
▲ 0.50% · 4.625%
HK$29,826
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,664/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,189
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,066
−HK$891/mo
Today · 4.125%
HK$29,957
baseline
▲ 0.50% · 4.625%
HK$31,780
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,914/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,360
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$32,201
−HK$853/mo
Today · 4.125%
HK$33,054
baseline
▲ 0.50% · 4.625%
HK$34,797
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,108/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,243
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,370
−HK$1,146/mo
Today · 4.125%
HK$38,516
baseline
▲ 0.50% · 4.625%
HK$40,859
+HK$2,343/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,032/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,320
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$41,401
−HK$1,097/mo
Today · 4.125%
HK$42,498
baseline
▲ 0.50% · 4.625%
HK$44,739
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$84,996/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,905 · 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).