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$20,143
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,770
−HK$637/mo
Today · 4.125%
HK$21,407
baseline
▲ 0.50% · 4.625%
HK$22,709
+HK$1,302/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,814/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,409
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,010
−HK$610/mo
Today · 4.125%
HK$23,620
baseline
▲ 0.50% · 4.625%
HK$24,865
+HK$1,245/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,240/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$265,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,172
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$764/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,251
+HK$1,563/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,891
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,612
−HK$732/mo
Today · 4.125%
HK$28,344
baseline
▲ 0.50% · 4.625%
HK$29,838
+HK$1,494/mo
Deposit HK$3.53M · loan HK$5.30M · min. income ≈ HK$56,688/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,201
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$29,078
−HK$891/mo
Today · 4.125%
HK$29,969
baseline
▲ 0.50% · 4.625%
HK$31,793
+HK$1,824/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$59,938/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,373
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$32,214
−HK$854/mo
Today · 4.125%
HK$33,068
baseline
▲ 0.50% · 4.625%
HK$34,811
+HK$1,743/mo
Deposit HK$2.65M · loan HK$6.18M · min. income ≈ HK$66,136/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,258
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$37,386
−HK$1,146/mo
Today · 4.125%
HK$38,532
baseline
▲ 0.50% · 4.625%
HK$40,876
+HK$2,344/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$77,064/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,337
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$41,419
−HK$1,097/mo
Today · 4.125%
HK$42,516
baseline
▲ 0.50% · 4.625%
HK$44,757
+HK$2,241/mo
Deposit HK$883K · loan HK$7.95M · min. income ≈ HK$85,032/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,015 · 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).