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$20,178
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,805
−HK$638/mo
Today · 4.125%
HK$21,443
baseline
▲ 0.50% · 4.625%
HK$22,748
+HK$1,305/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$42,886/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,447
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,049
−HK$611/mo
Today · 4.125%
HK$23,660
baseline
▲ 0.50% · 4.625%
HK$24,907
+HK$1,247/mo
Deposit HK$4.42M · loan HK$4.42M · min. income ≈ HK$47,320/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,213
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$766/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,565/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$733/mo
Today · 4.125%
HK$28,392
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,784/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$265,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,249
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$29,127
−HK$893/mo
Today · 4.125%
HK$30,020
baseline
▲ 0.50% · 4.625%
HK$31,847
+HK$1,827/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$60,040/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,426
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,269
−HK$855/mo
Today · 4.125%
HK$33,124
baseline
▲ 0.50% · 4.625%
HK$34,870
+HK$1,746/mo
Deposit HK$2.65M · loan HK$6.19M · min. income ≈ HK$66,248/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,320
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$37,449
−HK$1,148/mo
Today · 4.125%
HK$38,597
baseline
▲ 0.50% · 4.625%
HK$40,946
+HK$2,349/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$77,194/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,405
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,489
−HK$1,099/mo
Today · 4.125%
HK$42,588
baseline
▲ 0.50% · 4.625%
HK$44,833
+HK$2,245/mo
Deposit HK$885K · loan HK$7.96M · min. income ≈ HK$85,176/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,465 · 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).