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$20,184
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,811
−HK$638/mo
Today · 4.125%
HK$21,449
baseline
▲ 0.50% · 4.625%
HK$22,754
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,898/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,454
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,056
−HK$611/mo
Today · 4.125%
HK$23,667
baseline
▲ 0.50% · 4.625%
HK$24,915
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,334/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,220
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,974
−HK$765/mo
Today · 4.125%
HK$25,739
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,478/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,945
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,667
−HK$733/mo
Today · 4.125%
HK$28,400
baseline
▲ 0.50% · 4.625%
HK$29,898
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,800/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,257
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,136
−HK$893/mo
Today · 4.125%
HK$30,029
baseline
▲ 0.50% · 4.625%
HK$31,856
+HK$1,827/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,058/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,436
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,279
−HK$855/mo
Today · 4.125%
HK$33,134
baseline
▲ 0.50% · 4.625%
HK$34,880
+HK$1,746/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,268/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,330
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,460
−HK$1,149/mo
Today · 4.125%
HK$38,609
baseline
▲ 0.50% · 4.625%
HK$40,958
+HK$2,349/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,218/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,417
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,501
−HK$1,100/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$44,846
+HK$2,245/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,202/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,543 · 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).