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$20,138
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,765
−HK$636/mo
Today · 4.125%
HK$21,401
baseline
▲ 0.50% · 4.625%
HK$22,703
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,802/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,404
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,004
−HK$610/mo
Today · 4.125%
HK$23,614
baseline
▲ 0.50% · 4.625%
HK$24,859
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,228/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$264,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,166
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,918
−HK$763/mo
Today · 4.125%
HK$25,681
baseline
▲ 0.50% · 4.625%
HK$27,244
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,362/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,884
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,605
−HK$732/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$29,830
+HK$1,493/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$264,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,193
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,070
−HK$891/mo
Today · 4.125%
HK$29,961
baseline
▲ 0.50% · 4.625%
HK$31,785
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,922/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,365
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,206
−HK$854/mo
Today · 4.125%
HK$33,060
baseline
▲ 0.50% · 4.625%
HK$34,802
+HK$1,742/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,120/mo (50% DSR)
Upfront cash ≈ HK$2.91M (deposit + AVD stamp duty HK$264,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,249
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$37,376
−HK$1,146/mo
Today · 4.125%
HK$38,522
baseline
▲ 0.50% · 4.625%
HK$40,866
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,044/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,326
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,408
−HK$1,097/mo
Today · 4.125%
HK$42,505
baseline
▲ 0.50% · 4.625%
HK$44,746
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,010/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$264,947 · 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).