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$20,183
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,811
−HK$638/mo
Today · 4.125%
HK$21,449
baseline
▲ 0.50% · 4.625%
HK$22,754
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,898/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,453
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,056
−HK$611/mo
Today · 4.125%
HK$23,667
baseline
▲ 0.50% · 4.625%
HK$24,914
+HK$1,247/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,334/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,220
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,973
−HK$765/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,944
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,667
−HK$733/mo
Today · 4.125%
HK$28,400
baseline
▲ 0.50% · 4.625%
HK$29,897
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,800/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,256
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,135
−HK$893/mo
Today · 4.125%
HK$30,028
baseline
▲ 0.50% · 4.625%
HK$31,855
+HK$1,827/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,056/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,435
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,278
−HK$855/mo
Today · 4.125%
HK$33,133
baseline
▲ 0.50% · 4.625%
HK$34,880
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,266/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,330
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,460
−HK$1,148/mo
Today · 4.125%
HK$38,608
baseline
▲ 0.50% · 4.625%
HK$40,957
+HK$2,349/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,216/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,416
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,500
−HK$1,100/mo
Today · 4.125%
HK$42,600
baseline
▲ 0.50% · 4.625%
HK$44,845
+HK$2,245/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,200/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,537 · 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).