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$20,201
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,829
−HK$638/mo
Today · 4.125%
HK$21,467
baseline
▲ 0.50% · 4.625%
HK$22,774
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,934/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,473
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,076
−HK$611/mo
Today · 4.125%
HK$23,687
baseline
▲ 0.50% · 4.625%
HK$24,936
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,374/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,241
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,995
−HK$766/mo
Today · 4.125%
HK$25,761
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,522/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,967
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$733/mo
Today · 4.125%
HK$28,424
baseline
▲ 0.50% · 4.625%
HK$29,923
+HK$1,499/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,848/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,281
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,160
−HK$894/mo
Today · 4.125%
HK$30,054
baseline
▲ 0.50% · 4.625%
HK$31,883
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,108/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,462
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,306
−HK$856/mo
Today · 4.125%
HK$33,162
baseline
▲ 0.50% · 4.625%
HK$34,910
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,324/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,361
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,492
−HK$1,149/mo
Today · 4.125%
HK$38,641
baseline
▲ 0.50% · 4.625%
HK$40,992
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,282/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,451
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,536
−HK$1,101/mo
Today · 4.125%
HK$42,637
baseline
▲ 0.50% · 4.625%
HK$44,884
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,274/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,767 · 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).