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$20,203
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,831
−HK$639/mo
Today · 4.125%
HK$21,470
baseline
▲ 0.50% · 4.625%
HK$22,776
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,940/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,475
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$612/mo
Today · 4.125%
HK$23,690
baseline
▲ 0.50% · 4.625%
HK$24,938
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,380/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,243
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$766/mo
Today · 4.125%
HK$25,763
baseline
▲ 0.50% · 4.625%
HK$27,331
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,526/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,970
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$733/mo
Today · 4.125%
HK$28,427
baseline
▲ 0.50% · 4.625%
HK$29,926
+HK$1,499/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,854/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,284
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,164
−HK$893/mo
Today · 4.125%
HK$30,057
baseline
▲ 0.50% · 4.625%
HK$31,886
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,114/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,465
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,309
−HK$856/mo
Today · 4.125%
HK$33,165
baseline
▲ 0.50% · 4.625%
HK$34,914
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,330/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,365
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,496
−HK$1,149/mo
Today · 4.125%
HK$38,645
baseline
▲ 0.50% · 4.625%
HK$40,997
+HK$2,352/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,290/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,456
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,541
−HK$1,100/mo
Today · 4.125%
HK$42,641
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,248/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,282/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,796 · 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).