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$20,191
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,819
−HK$638/mo
Today · 4.125%
HK$21,457
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,914/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,462
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$611/mo
Today · 4.125%
HK$23,676
baseline
▲ 0.50% · 4.625%
HK$24,924
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,352/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,229
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,983
−HK$765/mo
Today · 4.125%
HK$25,748
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,496/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,955
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,678
−HK$733/mo
Today · 4.125%
HK$28,411
baseline
▲ 0.50% · 4.625%
HK$29,908
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,822/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,267
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,147
−HK$893/mo
Today · 4.125%
HK$30,040
baseline
▲ 0.50% · 4.625%
HK$31,868
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,080/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,447
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,290
−HK$856/mo
Today · 4.125%
HK$33,146
baseline
▲ 0.50% · 4.625%
HK$34,893
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,292/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,344
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,474
−HK$1,149/mo
Today · 4.125%
HK$38,623
baseline
▲ 0.50% · 4.625%
HK$40,973
+HK$2,350/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,246/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,432
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,516
−HK$1,100/mo
Today · 4.125%
HK$42,616
baseline
▲ 0.50% · 4.625%
HK$44,863
+HK$2,247/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,232/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,640 · 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).