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$20,192
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,820
−HK$638/mo
Today · 4.125%
HK$21,458
baseline
▲ 0.50% · 4.625%
HK$22,763
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,916/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,463
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,065
−HK$612/mo
Today · 4.125%
HK$23,677
baseline
▲ 0.50% · 4.625%
HK$24,925
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,354/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,230
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,984
−HK$765/mo
Today · 4.125%
HK$25,749
baseline
▲ 0.50% · 4.625%
HK$27,316
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,498/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,956
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,679
−HK$733/mo
Today · 4.125%
HK$28,412
baseline
▲ 0.50% · 4.625%
HK$29,910
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,824/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,268
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,148
−HK$893/mo
Today · 4.125%
HK$30,041
baseline
▲ 0.50% · 4.625%
HK$31,869
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,082/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,448
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,292
−HK$855/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$34,894
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,345
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,475
−HK$1,149/mo
Today · 4.125%
HK$38,624
baseline
▲ 0.50% · 4.625%
HK$40,974
+HK$2,350/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,248/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,433
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,518
−HK$1,100/mo
Today · 4.125%
HK$42,618
baseline
▲ 0.50% · 4.625%
HK$44,864
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,236/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,650 · 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).