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$20,161
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,788
−HK$637/mo
Today · 4.125%
HK$21,425
baseline
▲ 0.50% · 4.625%
HK$22,729
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,850/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,428
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$23,030
−HK$610/mo
Today · 4.125%
HK$23,640
baseline
▲ 0.50% · 4.625%
HK$24,886
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,280/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,193
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$765/mo
Today · 4.125%
HK$25,710
baseline
▲ 0.50% · 4.625%
HK$27,274
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,420/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,914
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,636
−HK$732/mo
Today · 4.125%
HK$28,368
baseline
▲ 0.50% · 4.625%
HK$29,864
+HK$1,496/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,736/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,225
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$29,103
−HK$892/mo
Today · 4.125%
HK$29,995
baseline
▲ 0.50% · 4.625%
HK$31,820
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,990/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,400
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,242
−HK$854/mo
Today · 4.125%
HK$33,096
baseline
▲ 0.50% · 4.625%
HK$34,841
+HK$1,745/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,192/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,289
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$37,418
−HK$1,147/mo
Today · 4.125%
HK$38,565
baseline
▲ 0.50% · 4.625%
HK$40,911
+HK$2,346/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,130/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,371
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$41,454
−HK$1,098/mo
Today · 4.125%
HK$42,552
baseline
▲ 0.50% · 4.625%
HK$44,795
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,104/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,242 · 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).