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$20,171
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,798
−HK$638/mo
Today · 4.125%
HK$21,436
baseline
▲ 0.50% · 4.625%
HK$22,740
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,872/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,440
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,042
−HK$610/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$24,899
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,205
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,958
−HK$765/mo
Today · 4.125%
HK$25,723
baseline
▲ 0.50% · 4.625%
HK$27,288
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,446/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,928
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,650
−HK$733/mo
Today · 4.125%
HK$28,383
baseline
▲ 0.50% · 4.625%
HK$29,879
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,766/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,239
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,118
−HK$892/mo
Today · 4.125%
HK$30,010
baseline
▲ 0.50% · 4.625%
HK$31,836
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,020/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,416
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,259
−HK$854/mo
Today · 4.125%
HK$33,113
baseline
▲ 0.50% · 4.625%
HK$34,859
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,226/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,308
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,437
−HK$1,148/mo
Today · 4.125%
HK$38,585
baseline
▲ 0.50% · 4.625%
HK$40,932
+HK$2,347/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,170/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,392
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,475
−HK$1,099/mo
Today · 4.125%
HK$42,574
baseline
▲ 0.50% · 4.625%
HK$44,819
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,148/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,379 · 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).