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$20,226
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,855
−HK$639/mo
Today · 4.125%
HK$21,494
baseline
▲ 0.50% · 4.625%
HK$22,802
+HK$1,308/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,988/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,501
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,104
−HK$612/mo
Today · 4.125%
HK$23,716
baseline
▲ 0.50% · 4.625%
HK$24,967
+HK$1,251/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,432/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,271
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,026
−HK$767/mo
Today · 4.125%
HK$25,793
baseline
▲ 0.50% · 4.625%
HK$27,362
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,586/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,001
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,725
−HK$735/mo
Today · 4.125%
HK$28,460
baseline
▲ 0.50% · 4.625%
HK$29,960
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,920/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,316
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,197
−HK$895/mo
Today · 4.125%
HK$30,092
baseline
▲ 0.50% · 4.625%
HK$31,923
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,184/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,501
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,346
−HK$857/mo
Today · 4.125%
HK$33,203
baseline
▲ 0.50% · 4.625%
HK$34,953
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,406/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,406
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,539
−HK$1,150/mo
Today · 4.125%
HK$38,689
baseline
▲ 0.50% · 4.625%
HK$41,043
+HK$2,354/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,378/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,501
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,588
−HK$1,102/mo
Today · 4.125%
HK$42,690
baseline
▲ 0.50% · 4.625%
HK$44,940
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,380/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,097 · 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).