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$20,221
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,850
−HK$639/mo
Today · 4.125%
HK$21,489
baseline
▲ 0.50% · 4.625%
HK$22,797
+HK$1,308/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,978/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,496
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,099
−HK$612/mo
Today · 4.125%
HK$23,711
baseline
▲ 0.50% · 4.625%
HK$24,961
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,422/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,265
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,020
−HK$767/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,356
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,995
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$734/mo
Today · 4.125%
HK$28,453
baseline
▲ 0.50% · 4.625%
HK$29,953
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,906/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,310
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,190
−HK$895/mo
Today · 4.125%
HK$30,085
baseline
▲ 0.50% · 4.625%
HK$31,915
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,170/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,494
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,339
−HK$857/mo
Today · 4.125%
HK$33,196
baseline
▲ 0.50% · 4.625%
HK$34,945
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,392/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,398
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,530
−HK$1,151/mo
Today · 4.125%
HK$38,681
baseline
▲ 0.50% · 4.625%
HK$41,034
+HK$2,353/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,362/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,492
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,578
−HK$1,102/mo
Today · 4.125%
HK$42,680
baseline
▲ 0.50% · 4.625%
HK$44,930
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,360/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,038 · 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).