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$20,211
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,840
−HK$639/mo
Today · 4.125%
HK$21,479
baseline
▲ 0.50% · 4.625%
HK$22,786
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,958/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,485
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,088
−HK$612/mo
Today · 4.125%
HK$23,700
baseline
▲ 0.50% · 4.625%
HK$24,949
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,400/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,254
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,008
−HK$767/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,343
+HK$1,568/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,550/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,982
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,706
−HK$734/mo
Today · 4.125%
HK$28,440
baseline
▲ 0.50% · 4.625%
HK$29,939
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,880/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,296
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,176
−HK$894/mo
Today · 4.125%
HK$30,070
baseline
▲ 0.50% · 4.625%
HK$31,900
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,140/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,479
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,323
−HK$857/mo
Today · 4.125%
HK$33,180
baseline
▲ 0.50% · 4.625%
HK$34,929
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,360/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,381
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,512
−HK$1,150/mo
Today · 4.125%
HK$38,662
baseline
▲ 0.50% · 4.625%
HK$41,014
+HK$2,352/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,324/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,473
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,559
−HK$1,101/mo
Today · 4.125%
HK$42,660
baseline
▲ 0.50% · 4.625%
HK$44,908
+HK$2,248/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,320/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,911 · 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).