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$20,167
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,794
−HK$637/mo
Today · 4.125%
HK$21,431
baseline
▲ 0.50% · 4.625%
HK$22,735
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,862/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,435
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,037
−HK$610/mo
Today · 4.125%
HK$23,647
baseline
▲ 0.50% · 4.625%
HK$24,894
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,294/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,200
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,953
−HK$765/mo
Today · 4.125%
HK$25,718
baseline
▲ 0.50% · 4.625%
HK$27,283
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,436/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,922
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,644
−HK$733/mo
Today · 4.125%
HK$28,377
baseline
▲ 0.50% · 4.625%
HK$29,873
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,754/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,233
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,112
−HK$892/mo
Today · 4.125%
HK$30,004
baseline
▲ 0.50% · 4.625%
HK$31,830
+HK$1,826/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,008/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,409
−HK$1,697/mo
▼ 0.25% · 3.875%
HK$32,252
−HK$854/mo
Today · 4.125%
HK$33,106
baseline
▲ 0.50% · 4.625%
HK$34,851
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,212/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,300
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,429
−HK$1,147/mo
Today · 4.125%
HK$38,576
baseline
▲ 0.50% · 4.625%
HK$40,924
+HK$2,348/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,152/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,384
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,467
−HK$1,098/mo
Today · 4.125%
HK$42,565
baseline
▲ 0.50% · 4.625%
HK$44,809
+HK$2,244/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,130/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,323 · 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).