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$20,177
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,804
−HK$638/mo
Today · 4.125%
HK$21,442
baseline
▲ 0.50% · 4.625%
HK$22,747
+HK$1,305/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,884/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,446
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,048
−HK$611/mo
Today · 4.125%
HK$23,659
baseline
▲ 0.50% · 4.625%
HK$24,906
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,318/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,212
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,965
−HK$765/mo
Today · 4.125%
HK$25,730
baseline
▲ 0.50% · 4.625%
HK$27,296
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,460/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,936
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,658
−HK$733/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$29,887
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,247
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,126
−HK$893/mo
Today · 4.125%
HK$30,019
baseline
▲ 0.50% · 4.625%
HK$31,845
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,038/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,425
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,268
−HK$855/mo
Today · 4.125%
HK$33,123
baseline
▲ 0.50% · 4.625%
HK$34,869
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,246/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,318
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,448
−HK$1,147/mo
Today · 4.125%
HK$38,595
baseline
▲ 0.50% · 4.625%
HK$40,944
+HK$2,349/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,190/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,403
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,487
−HK$1,099/mo
Today · 4.125%
HK$42,586
baseline
▲ 0.50% · 4.625%
HK$44,831
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,172/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,452 · 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).