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$20,157
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,784
−HK$637/mo
Today · 4.125%
HK$21,421
baseline
▲ 0.50% · 4.625%
HK$22,725
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,842/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,425
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,026
−HK$610/mo
Today · 4.125%
HK$23,636
baseline
▲ 0.50% · 4.625%
HK$24,882
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,272/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,189
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,941
−HK$764/mo
Today · 4.125%
HK$25,705
baseline
▲ 0.50% · 4.625%
HK$27,270
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,410/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,910
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,631
−HK$732/mo
Today · 4.125%
HK$28,363
baseline
▲ 0.50% · 4.625%
HK$29,859
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,726/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,220
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,098
−HK$892/mo
Today · 4.125%
HK$29,990
baseline
▲ 0.50% · 4.625%
HK$31,815
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,980/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,395
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,237
−HK$854/mo
Today · 4.125%
HK$33,091
baseline
▲ 0.50% · 4.625%
HK$34,835
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,182/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,283
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,412
−HK$1,146/mo
Today · 4.125%
HK$38,558
baseline
▲ 0.50% · 4.625%
HK$40,904
+HK$2,346/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,116/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,364
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,447
−HK$1,098/mo
Today · 4.125%
HK$42,545
baseline
▲ 0.50% · 4.625%
HK$44,788
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,090/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,197 · 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).