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$20,187
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,815
−HK$638/mo
Today · 4.125%
HK$21,453
baseline
▲ 0.50% · 4.625%
HK$22,758
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,906/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,458
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,060
−HK$611/mo
Today · 4.125%
HK$23,671
baseline
▲ 0.50% · 4.625%
HK$24,919
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,342/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,225
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,978
−HK$766/mo
Today · 4.125%
HK$25,744
baseline
▲ 0.50% · 4.625%
HK$27,310
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,488/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,950
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,672
−HK$734/mo
Today · 4.125%
HK$28,406
baseline
▲ 0.50% · 4.625%
HK$29,903
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,812/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,262
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,141
−HK$893/mo
Today · 4.125%
HK$30,034
baseline
▲ 0.50% · 4.625%
HK$31,862
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,068/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,441
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,284
−HK$856/mo
Today · 4.125%
HK$33,140
baseline
▲ 0.50% · 4.625%
HK$34,887
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,280/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,337
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,467
−HK$1,149/mo
Today · 4.125%
HK$38,616
baseline
▲ 0.50% · 4.625%
HK$40,965
+HK$2,349/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,232/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,424
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,509
−HK$1,099/mo
Today · 4.125%
HK$42,608
baseline
▲ 0.50% · 4.625%
HK$44,854
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,216/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,591 · 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).