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$20,200
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,829
−HK$638/mo
Today · 4.125%
HK$21,467
baseline
▲ 0.50% · 4.625%
HK$22,773
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,934/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,473
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,075
−HK$612/mo
Today · 4.125%
HK$23,687
baseline
▲ 0.50% · 4.625%
HK$24,935
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,374/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,240
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,994
−HK$766/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,967
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,690
−HK$734/mo
Today · 4.125%
HK$28,424
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,848/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,280
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,160
−HK$894/mo
Today · 4.125%
HK$30,054
baseline
▲ 0.50% · 4.625%
HK$31,882
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,108/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,462
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,305
−HK$856/mo
Today · 4.125%
HK$33,161
baseline
▲ 0.50% · 4.625%
HK$34,909
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,322/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,360
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,491
−HK$1,149/mo
Today · 4.125%
HK$38,640
baseline
▲ 0.50% · 4.625%
HK$40,992
+HK$2,352/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,280/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,451
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,535
−HK$1,101/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$44,883
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,763 · 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).