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$20,223
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,852
−HK$639/mo
Today · 4.125%
HK$21,491
baseline
▲ 0.50% · 4.625%
HK$22,798
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,982/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,497
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,101
−HK$612/mo
Today · 4.125%
HK$23,713
baseline
▲ 0.50% · 4.625%
HK$24,963
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,426/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,267
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$767/mo
Today · 4.125%
HK$25,789
baseline
▲ 0.50% · 4.625%
HK$27,358
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,578/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,997
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,721
−HK$734/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$29,955
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,910/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,312
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,192
−HK$895/mo
Today · 4.125%
HK$30,087
baseline
▲ 0.50% · 4.625%
HK$31,918
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,174/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,496
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,341
−HK$857/mo
Today · 4.125%
HK$33,198
baseline
▲ 0.50% · 4.625%
HK$34,948
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,396/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,401
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,533
−HK$1,150/mo
Today · 4.125%
HK$38,683
baseline
▲ 0.50% · 4.625%
HK$41,037
+HK$2,354/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,366/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,495
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,581
−HK$1,102/mo
Today · 4.125%
HK$42,683
baseline
▲ 0.50% · 4.625%
HK$44,933
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,366/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,056 · 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).