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$20,208
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,837
−HK$639/mo
Today · 4.125%
HK$21,476
baseline
▲ 0.50% · 4.625%
HK$22,782
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,952/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,482
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,085
−HK$611/mo
Today · 4.125%
HK$23,696
baseline
▲ 0.50% · 4.625%
HK$24,945
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,392/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,250
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,004
−HK$767/mo
Today · 4.125%
HK$25,771
baseline
▲ 0.50% · 4.625%
HK$27,339
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,542/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,978
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,701
−HK$734/mo
Today · 4.125%
HK$28,435
baseline
▲ 0.50% · 4.625%
HK$29,934
+HK$1,499/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,870/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,292
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,172
−HK$894/mo
Today · 4.125%
HK$30,066
baseline
▲ 0.50% · 4.625%
HK$31,895
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,132/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,474
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,318
−HK$857/mo
Today · 4.125%
HK$33,175
baseline
▲ 0.50% · 4.625%
HK$34,923
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,350/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,375
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,507
−HK$1,149/mo
Today · 4.125%
HK$38,656
baseline
▲ 0.50% · 4.625%
HK$41,008
+HK$2,352/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,312/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,467
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,552
−HK$1,101/mo
Today · 4.125%
HK$42,653
baseline
▲ 0.50% · 4.625%
HK$44,902
+HK$2,249/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,306/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,870 · 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).