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$20,190
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,818
−HK$638/mo
Today · 4.125%
HK$21,456
baseline
▲ 0.50% · 4.625%
HK$22,761
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,912/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,461
−HK$1,213/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$265,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,228
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$766/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,313
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$733/mo
Today · 4.125%
HK$28,409
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,818/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,265
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,145
−HK$893/mo
Today · 4.125%
HK$30,038
baseline
▲ 0.50% · 4.625%
HK$31,866
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,076/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,445
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,288
−HK$856/mo
Today · 4.125%
HK$33,144
baseline
▲ 0.50% · 4.625%
HK$34,891
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,288/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,341
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,472
−HK$1,148/mo
Today · 4.125%
HK$38,620
baseline
▲ 0.50% · 4.625%
HK$40,970
+HK$2,350/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,240/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,429
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,514
−HK$1,100/mo
Today · 4.125%
HK$42,614
baseline
▲ 0.50% · 4.625%
HK$44,860
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,228/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,623 · 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).