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$20,144
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,771
−HK$637/mo
Today · 4.125%
HK$21,408
baseline
▲ 0.50% · 4.625%
HK$22,710
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,816/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,410
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,011
−HK$610/mo
Today · 4.125%
HK$23,621
baseline
▲ 0.50% · 4.625%
HK$24,866
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,242/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,173
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,925
−HK$764/mo
Today · 4.125%
HK$25,689
baseline
▲ 0.50% · 4.625%
HK$27,252
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,378/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,892
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,614
−HK$731/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$29,839
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,202
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,079
−HK$892/mo
Today · 4.125%
HK$29,971
baseline
▲ 0.50% · 4.625%
HK$31,794
+HK$1,823/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,942/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,216
−HK$854/mo
Today · 4.125%
HK$33,070
baseline
▲ 0.50% · 4.625%
HK$34,813
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,140/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,260
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,388
−HK$1,146/mo
Today · 4.125%
HK$38,534
baseline
▲ 0.50% · 4.625%
HK$40,878
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,068/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,339
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,420
−HK$1,098/mo
Today · 4.125%
HK$42,518
baseline
▲ 0.50% · 4.625%
HK$44,759
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,036/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,027 · 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).