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$20,205
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,833
−HK$639/mo
Today · 4.125%
HK$21,472
baseline
▲ 0.50% · 4.625%
HK$22,778
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,944/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,478
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,081
−HK$611/mo
Today · 4.125%
HK$23,692
baseline
▲ 0.50% · 4.625%
HK$24,941
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,384/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,246
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,000
−HK$766/mo
Today · 4.125%
HK$25,766
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,532/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,973
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,697
−HK$734/mo
Today · 4.125%
HK$28,431
baseline
▲ 0.50% · 4.625%
HK$29,929
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,862/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,287
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,167
−HK$894/mo
Today · 4.125%
HK$30,061
baseline
▲ 0.50% · 4.625%
HK$31,890
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,122/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,469
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,313
−HK$856/mo
Today · 4.125%
HK$33,169
baseline
▲ 0.50% · 4.625%
HK$34,917
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,338/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,369
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,500
−HK$1,149/mo
Today · 4.125%
HK$38,649
baseline
▲ 0.50% · 4.625%
HK$41,001
+HK$2,352/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,298/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,460
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,545
−HK$1,101/mo
Today · 4.125%
HK$42,646
baseline
▲ 0.50% · 4.625%
HK$44,894
+HK$2,248/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,292/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,824 · 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).