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$20,194
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$639/mo
Today · 4.125%
HK$21,461
baseline
▲ 0.50% · 4.625%
HK$22,766
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,922/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,466
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$612/mo
Today · 4.125%
HK$23,680
baseline
▲ 0.50% · 4.625%
HK$24,928
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,360/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,233
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,987
−HK$766/mo
Today · 4.125%
HK$25,753
baseline
▲ 0.50% · 4.625%
HK$27,320
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,506/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,959
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,682
−HK$734/mo
Today · 4.125%
HK$28,416
baseline
▲ 0.50% · 4.625%
HK$29,913
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,832/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,272
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,151
−HK$894/mo
Today · 4.125%
HK$30,045
baseline
▲ 0.50% · 4.625%
HK$31,873
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,090/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,452
−HK$1,700/mo
▼ 0.25% · 3.875%
HK$32,296
−HK$856/mo
Today · 4.125%
HK$33,152
baseline
▲ 0.50% · 4.625%
HK$34,899
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,304/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,350
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,480
−HK$1,149/mo
Today · 4.125%
HK$38,629
baseline
▲ 0.50% · 4.625%
HK$40,980
+HK$2,351/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,258/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,439
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,523
−HK$1,100/mo
Today · 4.125%
HK$42,623
baseline
▲ 0.50% · 4.625%
HK$44,870
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,246/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,684 · 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).