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$265,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,489
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,092
−HK$612/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$265,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,258
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,013
−HK$766/mo
Today · 4.125%
HK$25,779
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,558/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,958 · 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$29,944
+HK$1,499/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$265,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,301
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,181
−HK$895/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$265,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,485
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,329
−HK$857/mo
Today · 4.125%
HK$33,186
baseline
▲ 0.50% · 4.625%
HK$34,935
+HK$1,749/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$265,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,387
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,519
−HK$1,150/mo
Today · 4.125%
HK$38,669
baseline
▲ 0.50% · 4.625%
HK$41,022
+HK$2,353/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,338/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,480
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,566
−HK$1,101/mo
Today · 4.125%
HK$42,667
baseline
▲ 0.50% · 4.625%
HK$44,916
+HK$2,249/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,334/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,958 · 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).