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$20,155
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,782
−HK$637/mo
Today · 4.125%
HK$21,419
baseline
▲ 0.50% · 4.625%
HK$22,723
+HK$1,304/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,838/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,423
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,024
−HK$610/mo
Today · 4.125%
HK$23,634
baseline
▲ 0.50% · 4.625%
HK$24,880
+HK$1,246/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,268/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,187
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,939
−HK$764/mo
Today · 4.125%
HK$25,703
baseline
▲ 0.50% · 4.625%
HK$27,267
+HK$1,564/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$51,406/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,907
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,629
−HK$732/mo
Today · 4.125%
HK$28,361
baseline
▲ 0.50% · 4.625%
HK$29,856
+HK$1,495/mo
Deposit HK$3.54M · loan HK$5.30M · min. income ≈ HK$56,722/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,218
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$29,095
−HK$892/mo
Today · 4.125%
HK$29,987
baseline
▲ 0.50% · 4.625%
HK$31,812
+HK$1,825/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$59,974/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,392
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$32,234
−HK$854/mo
Today · 4.125%
HK$33,088
baseline
▲ 0.50% · 4.625%
HK$34,832
+HK$1,744/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,176/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,280
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$37,408
−HK$1,147/mo
Today · 4.125%
HK$38,555
baseline
▲ 0.50% · 4.625%
HK$40,901
+HK$2,346/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$77,110/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,361
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$41,443
−HK$1,098/mo
Today · 4.125%
HK$42,541
baseline
▲ 0.50% · 4.625%
HK$44,784
+HK$2,243/mo
Deposit HK$884K · loan HK$7.96M · min. income ≈ HK$85,082/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,174 · 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).