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$20,197
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,825
−HK$638/mo
Today · 4.125%
HK$21,463
baseline
▲ 0.50% · 4.625%
HK$22,769
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,926/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,469
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,071
−HK$611/mo
Today · 4.125%
HK$23,682
baseline
▲ 0.50% · 4.625%
HK$24,931
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,364/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,236
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,990
−HK$766/mo
Today · 4.125%
HK$25,756
baseline
▲ 0.50% · 4.625%
HK$27,323
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,512/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,962
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$734/mo
Today · 4.125%
HK$28,419
baseline
▲ 0.50% · 4.625%
HK$29,917
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,838/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,275
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,155
−HK$893/mo
Today · 4.125%
HK$30,048
baseline
▲ 0.50% · 4.625%
HK$31,877
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,096/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,456
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,300
−HK$855/mo
Today · 4.125%
HK$33,155
baseline
▲ 0.50% · 4.625%
HK$34,903
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,310/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,354
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,485
−HK$1,149/mo
Today · 4.125%
HK$38,634
baseline
▲ 0.50% · 4.625%
HK$40,984
+HK$2,350/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,268/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,443
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,528
−HK$1,100/mo
Today · 4.125%
HK$42,628
baseline
▲ 0.50% · 4.625%
HK$44,875
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,256/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,715 · 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).