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$1,266/mo
▼ 0.25% · 3.875%
HK$20,822
−HK$638/mo
Today · 4.125%
HK$21,460
baseline
▲ 0.50% · 4.625%
HK$22,766
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,920/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,465
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$611/mo
Today · 4.125%
HK$23,679
baseline
▲ 0.50% · 4.625%
HK$24,927
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,358/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,232
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$766/mo
Today · 4.125%
HK$25,752
baseline
▲ 0.50% · 4.625%
HK$27,319
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,504/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,958
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$734/mo
Today · 4.125%
HK$28,415
baseline
▲ 0.50% · 4.625%
HK$29,912
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,830/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,271
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,150
−HK$894/mo
Today · 4.125%
HK$30,044
baseline
▲ 0.50% · 4.625%
HK$31,872
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,088/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,451
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,295
−HK$855/mo
Today · 4.125%
HK$33,150
baseline
▲ 0.50% · 4.625%
HK$34,898
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,300/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,348
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,479
−HK$1,149/mo
Today · 4.125%
HK$38,628
baseline
▲ 0.50% · 4.625%
HK$40,978
+HK$2,350/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,256/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,437
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,522
−HK$1,100/mo
Today · 4.125%
HK$42,622
baseline
▲ 0.50% · 4.625%
HK$44,869
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,244/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,675 · 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).