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$20,214
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,843
−HK$639/mo
Today · 4.125%
HK$21,482
baseline
▲ 0.50% · 4.625%
HK$22,789
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,964/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,488
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,091
−HK$612/mo
Today · 4.125%
HK$23,703
baseline
▲ 0.50% · 4.625%
HK$24,953
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,406/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,257
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,012
−HK$766/mo
Today · 4.125%
HK$25,778
baseline
▲ 0.50% · 4.625%
HK$27,347
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,556/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,986
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,710
−HK$734/mo
Today · 4.125%
HK$28,444
baseline
▲ 0.50% · 4.625%
HK$29,943
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,888/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,300
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,180
−HK$895/mo
Today · 4.125%
HK$30,075
baseline
▲ 0.50% · 4.625%
HK$31,905
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,150/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,484
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,328
−HK$857/mo
Today · 4.125%
HK$33,185
baseline
▲ 0.50% · 4.625%
HK$34,934
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,370/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,386
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,518
−HK$1,150/mo
Today · 4.125%
HK$38,668
baseline
▲ 0.50% · 4.625%
HK$41,020
+HK$2,352/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,336/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,479
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,565
−HK$1,101/mo
Today · 4.125%
HK$42,666
baseline
▲ 0.50% · 4.625%
HK$44,915
+HK$2,249/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,332/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,949 · 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).