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$20,213
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,841
−HK$639/mo
Today · 4.125%
HK$21,480
baseline
▲ 0.50% · 4.625%
HK$22,787
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,960/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,486
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,089
−HK$612/mo
Today · 4.125%
HK$23,701
baseline
▲ 0.50% · 4.625%
HK$24,950
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,402/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,255
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,009
−HK$767/mo
Today · 4.125%
HK$25,776
baseline
▲ 0.50% · 4.625%
HK$27,344
+HK$1,568/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,552/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,983
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,707
−HK$734/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$29,940
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,298
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,178
−HK$894/mo
Today · 4.125%
HK$30,072
baseline
▲ 0.50% · 4.625%
HK$31,902
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,144/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,481
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,325
−HK$857/mo
Today · 4.125%
HK$33,182
baseline
▲ 0.50% · 4.625%
HK$34,931
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,364/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,383
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,514
−HK$1,150/mo
Today · 4.125%
HK$38,664
baseline
▲ 0.50% · 4.625%
HK$41,017
+HK$2,353/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,328/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,475
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,561
−HK$1,101/mo
Today · 4.125%
HK$42,662
baseline
▲ 0.50% · 4.625%
HK$44,911
+HK$2,249/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,324/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,925 · 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).