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$20,206
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,835
−HK$638/mo
Today · 4.125%
HK$21,473
baseline
▲ 0.50% · 4.625%
HK$22,780
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,946/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,479
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,082
−HK$612/mo
Today · 4.125%
HK$23,694
baseline
▲ 0.50% · 4.625%
HK$24,943
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,388/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,248
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,002
−HK$766/mo
Today · 4.125%
HK$25,768
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,536/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,975
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,699
−HK$734/mo
Today · 4.125%
HK$28,433
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,866/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,289
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,169
−HK$894/mo
Today · 4.125%
HK$30,063
baseline
▲ 0.50% · 4.625%
HK$31,892
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,126/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,471
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,315
−HK$856/mo
Today · 4.125%
HK$33,171
baseline
▲ 0.50% · 4.625%
HK$34,920
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,342/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,371
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,503
−HK$1,149/mo
Today · 4.125%
HK$38,652
baseline
▲ 0.50% · 4.625%
HK$41,004
+HK$2,352/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,304/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,463
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,548
−HK$1,101/mo
Today · 4.125%
HK$42,649
baseline
▲ 0.50% · 4.625%
HK$44,897
+HK$2,248/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,298/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,843 · 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).