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$20,219
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,847
−HK$639/mo
Today · 4.125%
HK$21,486
baseline
▲ 0.50% · 4.625%
HK$22,794
+HK$1,308/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,972/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,493
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$612/mo
Today · 4.125%
HK$23,708
baseline
▲ 0.50% · 4.625%
HK$24,958
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,416/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,262
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,017
−HK$767/mo
Today · 4.125%
HK$25,784
baseline
▲ 0.50% · 4.625%
HK$27,353
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,568/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,991
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,715
−HK$735/mo
Today · 4.125%
HK$28,450
baseline
▲ 0.50% · 4.625%
HK$29,949
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,900/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,306
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,186
−HK$895/mo
Today · 4.125%
HK$30,081
baseline
▲ 0.50% · 4.625%
HK$31,911
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,162/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,490
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,335
−HK$856/mo
Today · 4.125%
HK$33,191
baseline
▲ 0.50% · 4.625%
HK$34,941
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,382/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,393
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,525
−HK$1,150/mo
Today · 4.125%
HK$38,675
baseline
▲ 0.50% · 4.625%
HK$41,029
+HK$2,354/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,350/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,487
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,573
−HK$1,102/mo
Today · 4.125%
HK$42,675
baseline
▲ 0.50% · 4.625%
HK$44,924
+HK$2,249/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,350/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,003 · 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).