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$20,216
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,845
−HK$638/mo
Today · 4.125%
HK$21,483
baseline
▲ 0.50% · 4.625%
HK$22,791
+HK$1,308/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,966/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,490
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,093
−HK$612/mo
Today · 4.125%
HK$23,705
baseline
▲ 0.50% · 4.625%
HK$24,954
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,410/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,259
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,013
−HK$767/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,349
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,988
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,712
−HK$734/mo
Today · 4.125%
HK$28,446
baseline
▲ 0.50% · 4.625%
HK$29,945
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,892/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,302
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,182
−HK$895/mo
Today · 4.125%
HK$30,077
baseline
▲ 0.50% · 4.625%
HK$31,907
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,154/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,486
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,330
−HK$857/mo
Today · 4.125%
HK$33,187
baseline
▲ 0.50% · 4.625%
HK$34,936
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,374/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,388
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,520
−HK$1,150/mo
Today · 4.125%
HK$38,670
baseline
▲ 0.50% · 4.625%
HK$41,023
+HK$2,353/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,340/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,482
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,567
−HK$1,102/mo
Today · 4.125%
HK$42,669
baseline
▲ 0.50% · 4.625%
HK$44,918
+HK$2,249/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,338/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,967 · 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).