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$20,168
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,796
−HK$637/mo
Today · 4.125%
HK$21,433
baseline
▲ 0.50% · 4.625%
HK$22,737
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,866/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,437
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,039
−HK$610/mo
Today · 4.125%
HK$23,649
baseline
▲ 0.50% · 4.625%
HK$24,896
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,298/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,202
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,955
−HK$765/mo
Today · 4.125%
HK$25,720
baseline
▲ 0.50% · 4.625%
HK$27,285
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,440/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,924
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$732/mo
Today · 4.125%
HK$28,379
baseline
▲ 0.50% · 4.625%
HK$29,875
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,758/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,236
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,114
−HK$892/mo
Today · 4.125%
HK$30,006
baseline
▲ 0.50% · 4.625%
HK$31,832
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,012/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,412
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,254
−HK$855/mo
Today · 4.125%
HK$33,109
baseline
▲ 0.50% · 4.625%
HK$34,854
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,218/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,303
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,432
−HK$1,147/mo
Today · 4.125%
HK$38,579
baseline
▲ 0.50% · 4.625%
HK$40,927
+HK$2,348/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,158/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,387
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$41,470
−HK$1,099/mo
Today · 4.125%
HK$42,569
baseline
▲ 0.50% · 4.625%
HK$44,813
+HK$2,244/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,138/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,343 · 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).