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$1,268/mo
▼ 0.25% · 3.875%
HK$20,842
−HK$639/mo
Today · 4.125%
HK$21,481
baseline
▲ 0.50% · 4.625%
HK$22,788
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,962/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,487
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,090
−HK$612/mo
Today · 4.125%
HK$23,702
baseline
▲ 0.50% · 4.625%
HK$24,952
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,404/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,256
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,011
−HK$766/mo
Today · 4.125%
HK$25,777
baseline
▲ 0.50% · 4.625%
HK$27,346
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,554/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,985
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,708
−HK$735/mo
Today · 4.125%
HK$28,443
baseline
▲ 0.50% · 4.625%
HK$29,942
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,886/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,299
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,179
−HK$894/mo
Today · 4.125%
HK$30,073
baseline
▲ 0.50% · 4.625%
HK$31,903
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,146/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,482
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,327
−HK$856/mo
Today · 4.125%
HK$33,183
baseline
▲ 0.50% · 4.625%
HK$34,932
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,366/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$265,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,384
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,516
−HK$1,150/mo
Today · 4.125%
HK$38,666
baseline
▲ 0.50% · 4.625%
HK$41,019
+HK$2,353/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,332/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,477
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$41,563
−HK$1,101/mo
Today · 4.125%
HK$42,664
baseline
▲ 0.50% · 4.625%
HK$44,913
+HK$2,249/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,328/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,937 · 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).