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$1,267/mo
▼ 0.25% · 3.875%
HK$20,835
−HK$639/mo
Today · 4.125%
HK$21,474
baseline
▲ 0.50% · 4.625%
HK$22,780
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,948/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,480
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,083
−HK$611/mo
Today · 4.125%
HK$23,694
baseline
▲ 0.50% · 4.625%
HK$24,943
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,388/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,248
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,002
−HK$766/mo
Today · 4.125%
HK$25,768
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,536/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,976
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,699
−HK$734/mo
Today · 4.125%
HK$28,433
baseline
▲ 0.50% · 4.625%
HK$29,932
+HK$1,499/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,866/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,289
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,169
−HK$894/mo
Today · 4.125%
HK$30,063
baseline
▲ 0.50% · 4.625%
HK$31,892
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,126/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,471
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,316
−HK$856/mo
Today · 4.125%
HK$33,172
baseline
▲ 0.50% · 4.625%
HK$34,920
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,344/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,372
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,503
−HK$1,150/mo
Today · 4.125%
HK$38,653
baseline
▲ 0.50% · 4.625%
HK$41,005
+HK$2,352/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,306/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,463
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,549
−HK$1,100/mo
Today · 4.125%
HK$42,649
baseline
▲ 0.50% · 4.625%
HK$44,898
+HK$2,249/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,298/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,847 · 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).