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$20,160
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,787
−HK$637/mo
Today · 4.125%
HK$21,424
baseline
▲ 0.50% · 4.625%
HK$22,728
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,848/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,428
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,029
−HK$610/mo
Today · 4.125%
HK$23,639
baseline
▲ 0.50% · 4.625%
HK$24,885
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,278/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,192
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,944
−HK$765/mo
Today · 4.125%
HK$25,709
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,418/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,913
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$732/mo
Today · 4.125%
HK$28,367
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,734/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,224
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,102
−HK$892/mo
Today · 4.125%
HK$29,994
baseline
▲ 0.50% · 4.625%
HK$31,819
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,988/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,399
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,241
−HK$854/mo
Today · 4.125%
HK$33,095
baseline
▲ 0.50% · 4.625%
HK$34,840
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,190/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,288
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,417
−HK$1,146/mo
Today · 4.125%
HK$38,563
baseline
▲ 0.50% · 4.625%
HK$40,910
+HK$2,347/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,126/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,370
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,452
−HK$1,099/mo
Today · 4.125%
HK$42,551
baseline
▲ 0.50% · 4.625%
HK$44,794
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,102/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,232 · 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).