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$20,220
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,849
−HK$639/mo
Today · 4.125%
HK$21,488
baseline
▲ 0.50% · 4.625%
HK$22,795
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,976/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,494
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,098
−HK$612/mo
Today · 4.125%
HK$23,710
baseline
▲ 0.50% · 4.625%
HK$24,960
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,420/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,264
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$766/mo
Today · 4.125%
HK$25,785
baseline
▲ 0.50% · 4.625%
HK$27,354
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,570/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,993
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,717
−HK$735/mo
Today · 4.125%
HK$28,452
baseline
▲ 0.50% · 4.625%
HK$29,951
+HK$1,499/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,904/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,308
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,188
−HK$895/mo
Today · 4.125%
HK$30,083
baseline
▲ 0.50% · 4.625%
HK$31,913
+HK$1,830/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,166/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,492
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$857/mo
Today · 4.125%
HK$33,194
baseline
▲ 0.50% · 4.625%
HK$34,943
+HK$1,749/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,388/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,396
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,528
−HK$1,150/mo
Today · 4.125%
HK$38,678
baseline
▲ 0.50% · 4.625%
HK$41,032
+HK$2,354/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,356/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,490
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,576
−HK$1,102/mo
Today · 4.125%
HK$42,678
baseline
▲ 0.50% · 4.625%
HK$44,927
+HK$2,249/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,356/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,022 · 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).