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$20,178
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,806
−HK$637/mo
Today · 4.125%
HK$21,443
baseline
▲ 0.50% · 4.625%
HK$22,748
+HK$1,305/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,886/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,448
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,050
−HK$610/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$24,908
+HK$1,248/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$765/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,298
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,660
−HK$733/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,249
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,128
−HK$893/mo
Today · 4.125%
HK$30,021
baseline
▲ 0.50% · 4.625%
HK$31,847
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,042/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,427
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,270
−HK$855/mo
Today · 4.125%
HK$33,125
baseline
▲ 0.50% · 4.625%
HK$34,871
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,250/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,450
−HK$1,148/mo
Today · 4.125%
HK$38,598
baseline
▲ 0.50% · 4.625%
HK$40,946
+HK$2,348/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,196/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,406
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,490
−HK$1,099/mo
Today · 4.125%
HK$42,589
baseline
▲ 0.50% · 4.625%
HK$44,834
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,178/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,469 · 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).