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$20,185
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,813
−HK$637/mo
Today · 4.125%
HK$21,450
baseline
▲ 0.50% · 4.625%
HK$22,756
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,900/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,455
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,058
−HK$610/mo
Today · 4.125%
HK$23,668
baseline
▲ 0.50% · 4.625%
HK$24,916
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,336/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,222
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,975
−HK$766/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,307
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,946
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$733/mo
Today · 4.125%
HK$28,402
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,804/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,259
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,138
−HK$893/mo
Today · 4.125%
HK$30,031
baseline
▲ 0.50% · 4.625%
HK$31,858
+HK$1,827/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,062/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,437
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,281
−HK$855/mo
Today · 4.125%
HK$33,136
baseline
▲ 0.50% · 4.625%
HK$34,883
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,272/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,332
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,463
−HK$1,148/mo
Today · 4.125%
HK$38,611
baseline
▲ 0.50% · 4.625%
HK$40,960
+HK$2,349/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,222/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,420
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,504
−HK$1,099/mo
Today · 4.125%
HK$42,603
baseline
▲ 0.50% · 4.625%
HK$44,849
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,206/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,559 · 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).