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$20,188
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,816
−HK$638/mo
Today · 4.125%
HK$21,454
baseline
▲ 0.50% · 4.625%
HK$22,759
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,908/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,459
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,061
−HK$611/mo
Today · 4.125%
HK$23,672
baseline
▲ 0.50% · 4.625%
HK$24,920
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,344/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,226
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,979
−HK$766/mo
Today · 4.125%
HK$25,745
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,490/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,951
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,674
−HK$733/mo
Today · 4.125%
HK$28,407
baseline
▲ 0.50% · 4.625%
HK$29,904
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,814/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,263
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,142
−HK$894/mo
Today · 4.125%
HK$30,036
baseline
▲ 0.50% · 4.625%
HK$31,863
+HK$1,827/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,072/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,443
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,286
−HK$855/mo
Today · 4.125%
HK$33,141
baseline
▲ 0.50% · 4.625%
HK$34,888
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,282/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,339
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,469
−HK$1,148/mo
Today · 4.125%
HK$38,617
baseline
▲ 0.50% · 4.625%
HK$40,967
+HK$2,350/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,234/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,426
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,511
−HK$1,099/mo
Today · 4.125%
HK$42,610
baseline
▲ 0.50% · 4.625%
HK$44,856
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,220/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,603 · 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).