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$20,215
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,844
−HK$639/mo
Today · 4.125%
HK$21,483
baseline
▲ 0.50% · 4.625%
HK$22,790
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,966/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,489
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,093
−HK$611/mo
Today · 4.125%
HK$23,704
baseline
▲ 0.50% · 4.625%
HK$24,954
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,408/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,258
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,013
−HK$767/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,568/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,987
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,711
−HK$734/mo
Today · 4.125%
HK$28,445
baseline
▲ 0.50% · 4.625%
HK$29,945
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,890/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,302
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,182
−HK$894/mo
Today · 4.125%
HK$30,076
baseline
▲ 0.50% · 4.625%
HK$31,906
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,152/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,485
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,330
−HK$856/mo
Today · 4.125%
HK$33,186
baseline
▲ 0.50% · 4.625%
HK$34,936
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,372/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,388
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,520
−HK$1,150/mo
Today · 4.125%
HK$38,670
baseline
▲ 0.50% · 4.625%
HK$41,022
+HK$2,352/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,340/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,481
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,567
−HK$1,101/mo
Today · 4.125%
HK$42,668
baseline
▲ 0.50% · 4.625%
HK$44,917
+HK$2,249/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,336/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,962 · 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).