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$20,146
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,772
−HK$637/mo
Today · 4.125%
HK$21,409
baseline
▲ 0.50% · 4.625%
HK$22,712
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,818/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,412
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,013
−HK$610/mo
Today · 4.125%
HK$23,623
baseline
▲ 0.50% · 4.625%
HK$24,868
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,246/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,175
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,927
−HK$764/mo
Today · 4.125%
HK$25,691
baseline
▲ 0.50% · 4.625%
HK$27,254
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,382/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,894
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,616
−HK$731/mo
Today · 4.125%
HK$28,347
baseline
▲ 0.50% · 4.625%
HK$29,842
+HK$1,495/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,694/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,204
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,081
−HK$892/mo
Today · 4.125%
HK$29,973
baseline
▲ 0.50% · 4.625%
HK$31,797
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,946/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,377
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,218
−HK$854/mo
Today · 4.125%
HK$33,072
baseline
▲ 0.50% · 4.625%
HK$34,815
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,144/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,262
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,390
−HK$1,146/mo
Today · 4.125%
HK$38,536
baseline
▲ 0.50% · 4.625%
HK$40,881
+HK$2,345/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,072/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,342
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,424
−HK$1,097/mo
Today · 4.125%
HK$42,521
baseline
▲ 0.50% · 4.625%
HK$44,763
+HK$2,242/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,042/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,047 · 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).