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$20,198
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,826
−HK$638/mo
Today · 4.125%
HK$21,464
baseline
▲ 0.50% · 4.625%
HK$22,770
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,928/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,470
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,072
−HK$612/mo
Today · 4.125%
HK$23,684
baseline
▲ 0.50% · 4.625%
HK$24,932
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,368/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,237
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,991
−HK$766/mo
Today · 4.125%
HK$25,757
baseline
▲ 0.50% · 4.625%
HK$27,324
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,514/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,963
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$733/mo
Today · 4.125%
HK$28,420
baseline
▲ 0.50% · 4.625%
HK$29,918
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,840/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,277
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,156
−HK$894/mo
Today · 4.125%
HK$30,050
baseline
▲ 0.50% · 4.625%
HK$31,878
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,100/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,457
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,301
−HK$856/mo
Today · 4.125%
HK$33,157
baseline
▲ 0.50% · 4.625%
HK$34,905
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,314/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,356
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,486
−HK$1,149/mo
Today · 4.125%
HK$38,635
baseline
▲ 0.50% · 4.625%
HK$40,986
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,270/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,445
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,530
−HK$1,100/mo
Today · 4.125%
HK$42,630
baseline
▲ 0.50% · 4.625%
HK$44,877
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,260/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,728 · 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).