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$20,179
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,807
−HK$638/mo
Today · 4.125%
HK$21,445
baseline
▲ 0.50% · 4.625%
HK$22,749
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,890/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,449
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,051
−HK$611/mo
Today · 4.125%
HK$23,662
baseline
▲ 0.50% · 4.625%
HK$24,909
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,324/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,215
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$765/mo
Today · 4.125%
HK$25,733
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,466/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,939
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$733/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,251
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,130
−HK$892/mo
Today · 4.125%
HK$30,022
baseline
▲ 0.50% · 4.625%
HK$31,849
+HK$1,827/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,044/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,429
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,272
−HK$855/mo
Today · 4.125%
HK$33,127
baseline
▲ 0.50% · 4.625%
HK$34,873
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,254/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,322
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,452
−HK$1,148/mo
Today · 4.125%
HK$38,600
baseline
▲ 0.50% · 4.625%
HK$40,949
+HK$2,349/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,200/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,408
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,492
−HK$1,100/mo
Today · 4.125%
HK$42,592
baseline
▲ 0.50% · 4.625%
HK$44,837
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,184/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,486 · 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).