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$20,202
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,830
−HK$639/mo
Today · 4.125%
HK$21,469
baseline
▲ 0.50% · 4.625%
HK$22,775
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,938/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,474
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,077
−HK$612/mo
Today · 4.125%
HK$23,689
baseline
▲ 0.50% · 4.625%
HK$24,937
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,378/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,242
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,996
−HK$766/mo
Today · 4.125%
HK$25,762
baseline
▲ 0.50% · 4.625%
HK$27,330
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,524/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,969
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,693
−HK$733/mo
Today · 4.125%
HK$28,426
baseline
▲ 0.50% · 4.625%
HK$29,925
+HK$1,499/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,852/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,283
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,162
−HK$894/mo
Today · 4.125%
HK$30,056
baseline
▲ 0.50% · 4.625%
HK$31,885
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,112/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,464
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,308
−HK$856/mo
Today · 4.125%
HK$33,164
baseline
▲ 0.50% · 4.625%
HK$34,912
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,328/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,363
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,494
−HK$1,150/mo
Today · 4.125%
HK$38,644
baseline
▲ 0.50% · 4.625%
HK$40,995
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,288/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,454
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,539
−HK$1,100/mo
Today · 4.125%
HK$42,639
baseline
▲ 0.50% · 4.625%
HK$44,887
+HK$2,248/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,278/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,784 · 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).