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$20,189
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,817
−HK$638/mo
Today · 4.125%
HK$21,455
baseline
▲ 0.50% · 4.625%
HK$22,761
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,910/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,460
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,063
−HK$611/mo
Today · 4.125%
HK$23,674
baseline
▲ 0.50% · 4.625%
HK$24,922
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,348/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,227
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$765/mo
Today · 4.125%
HK$25,746
baseline
▲ 0.50% · 4.625%
HK$27,313
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,492/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,952
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,675
−HK$733/mo
Today · 4.125%
HK$28,408
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,816/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,265
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,144
−HK$893/mo
Today · 4.125%
HK$30,037
baseline
▲ 0.50% · 4.625%
HK$31,865
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,074/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,444
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,288
−HK$855/mo
Today · 4.125%
HK$33,143
baseline
▲ 0.50% · 4.625%
HK$34,890
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,286/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,341
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,471
−HK$1,148/mo
Today · 4.125%
HK$38,619
baseline
▲ 0.50% · 4.625%
HK$40,969
+HK$2,350/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,238/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,428
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,513
−HK$1,100/mo
Today · 4.125%
HK$42,613
baseline
▲ 0.50% · 4.625%
HK$44,859
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,226/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,618 · 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).