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$20,199
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,827
−HK$639/mo
Today · 4.125%
HK$21,466
baseline
▲ 0.50% · 4.625%
HK$22,772
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,932/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,471
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,074
−HK$611/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,370/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,239
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,993
−HK$766/mo
Today · 4.125%
HK$25,759
baseline
▲ 0.50% · 4.625%
HK$27,326
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,518/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,965
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,688
−HK$734/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$29,920
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,278
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,158
−HK$894/mo
Today · 4.125%
HK$30,052
baseline
▲ 0.50% · 4.625%
HK$31,880
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,104/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,460
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,303
−HK$856/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$34,907
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,358
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,489
−HK$1,149/mo
Today · 4.125%
HK$38,638
baseline
▲ 0.50% · 4.625%
HK$40,989
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,276/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,448
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,533
−HK$1,100/mo
Today · 4.125%
HK$42,633
baseline
▲ 0.50% · 4.625%
HK$44,880
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,266/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,746 · 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).