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$20,185
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,813
−HK$638/mo
Today · 4.125%
HK$21,451
baseline
▲ 0.50% · 4.625%
HK$22,756
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,902/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,456
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,058
−HK$611/mo
Today · 4.125%
HK$23,669
baseline
▲ 0.50% · 4.625%
HK$24,917
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,338/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,222
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$765/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,308
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,947
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,670
−HK$733/mo
Today · 4.125%
HK$28,403
baseline
▲ 0.50% · 4.625%
HK$29,900
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,806/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,259
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,138
−HK$893/mo
Today · 4.125%
HK$30,031
baseline
▲ 0.50% · 4.625%
HK$31,859
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,062/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,438
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,281
−HK$856/mo
Today · 4.125%
HK$33,137
baseline
▲ 0.50% · 4.625%
HK$34,883
+HK$1,746/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,274/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,333
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,464
−HK$1,148/mo
Today · 4.125%
HK$38,612
baseline
▲ 0.50% · 4.625%
HK$40,961
+HK$2,349/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,224/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,421
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,505
−HK$1,099/mo
Today · 4.125%
HK$42,604
baseline
▲ 0.50% · 4.625%
HK$44,850
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,208/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,566 · 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).