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$20,186
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,814
−HK$638/mo
Today · 4.125%
HK$21,452
baseline
▲ 0.50% · 4.625%
HK$22,757
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,904/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,457
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,059
−HK$611/mo
Today · 4.125%
HK$23,670
baseline
▲ 0.50% · 4.625%
HK$24,918
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,340/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,223
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,977
−HK$765/mo
Today · 4.125%
HK$25,742
baseline
▲ 0.50% · 4.625%
HK$27,308
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,484/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,948
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,671
−HK$733/mo
Today · 4.125%
HK$28,404
baseline
▲ 0.50% · 4.625%
HK$29,901
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,808/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,260
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,139
−HK$893/mo
Today · 4.125%
HK$30,032
baseline
▲ 0.50% · 4.625%
HK$31,860
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,064/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,439
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,282
−HK$856/mo
Today · 4.125%
HK$33,138
baseline
▲ 0.50% · 4.625%
HK$34,885
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,276/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,335
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,465
−HK$1,148/mo
Today · 4.125%
HK$38,613
baseline
▲ 0.50% · 4.625%
HK$40,963
+HK$2,350/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,226/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,422
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,506
−HK$1,100/mo
Today · 4.125%
HK$42,606
baseline
▲ 0.50% · 4.625%
HK$44,852
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,212/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,575 · 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).