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$20,204
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,833
−HK$638/mo
Today · 4.125%
HK$21,471
baseline
▲ 0.50% · 4.625%
HK$22,777
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,942/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,477
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,080
−HK$611/mo
Today · 4.125%
HK$23,691
baseline
▲ 0.50% · 4.625%
HK$24,940
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,382/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,245
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,999
−HK$766/mo
Today · 4.125%
HK$25,765
baseline
▲ 0.50% · 4.625%
HK$27,333
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,530/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,972
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,696
−HK$733/mo
Today · 4.125%
HK$28,429
baseline
▲ 0.50% · 4.625%
HK$29,928
+HK$1,499/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,858/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,286
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,166
−HK$893/mo
Today · 4.125%
HK$30,059
baseline
▲ 0.50% · 4.625%
HK$31,888
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,118/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,468
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,311
−HK$857/mo
Today · 4.125%
HK$33,168
baseline
▲ 0.50% · 4.625%
HK$34,916
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,336/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,367
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,499
−HK$1,149/mo
Today · 4.125%
HK$38,648
baseline
▲ 0.50% · 4.625%
HK$40,999
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,296/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,458
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,543
−HK$1,101/mo
Today · 4.125%
HK$42,644
baseline
▲ 0.50% · 4.625%
HK$44,892
+HK$2,248/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,288/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,813 · 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).