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$20,147
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,773
−HK$637/mo
Today · 4.125%
HK$21,410
baseline
▲ 0.50% · 4.625%
HK$22,713
+HK$1,303/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,820/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,413
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,014
−HK$610/mo
Today · 4.125%
HK$23,624
baseline
▲ 0.50% · 4.625%
HK$24,869
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,248/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,176
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,928
−HK$764/mo
Today · 4.125%
HK$25,692
baseline
▲ 0.50% · 4.625%
HK$27,255
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,384/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,896
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,617
−HK$732/mo
Today · 4.125%
HK$28,349
baseline
▲ 0.50% · 4.625%
HK$29,843
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,698/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,205
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,083
−HK$891/mo
Today · 4.125%
HK$29,974
baseline
▲ 0.50% · 4.625%
HK$31,798
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,948/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,378
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,220
−HK$854/mo
Today · 4.125%
HK$33,074
baseline
▲ 0.50% · 4.625%
HK$34,817
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,148/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,264
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,392
−HK$1,146/mo
Today · 4.125%
HK$38,538
baseline
▲ 0.50% · 4.625%
HK$40,883
+HK$2,345/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$77,076/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,344
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,426
−HK$1,097/mo
Today · 4.125%
HK$42,523
baseline
▲ 0.50% · 4.625%
HK$44,765
+HK$2,242/mo
Deposit HK$884K · loan HK$7.95M · min. income ≈ HK$85,046/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,060 · 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).