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$20,207
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,836
−HK$639/mo
Today · 4.125%
HK$21,475
baseline
▲ 0.50% · 4.625%
HK$22,781
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,950/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,481
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,083
−HK$612/mo
Today · 4.125%
HK$23,695
baseline
▲ 0.50% · 4.625%
HK$24,944
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,390/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,249
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,003
−HK$767/mo
Today · 4.125%
HK$25,770
baseline
▲ 0.50% · 4.625%
HK$27,338
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,540/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,977
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,700
−HK$734/mo
Today · 4.125%
HK$28,434
baseline
▲ 0.50% · 4.625%
HK$29,933
+HK$1,499/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,868/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,290
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,170
−HK$894/mo
Today · 4.125%
HK$30,064
baseline
▲ 0.50% · 4.625%
HK$31,894
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,128/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,473
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,317
−HK$856/mo
Today · 4.125%
HK$33,173
baseline
▲ 0.50% · 4.625%
HK$34,922
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,346/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,373
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,505
−HK$1,149/mo
Today · 4.125%
HK$38,654
baseline
▲ 0.50% · 4.625%
HK$41,006
+HK$2,352/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,308/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,465
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,550
−HK$1,101/mo
Today · 4.125%
HK$42,651
baseline
▲ 0.50% · 4.625%
HK$44,899
+HK$2,248/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,302/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,857 · 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).