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$20,193
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,821
−HK$638/mo
Today · 4.125%
HK$21,459
baseline
▲ 0.50% · 4.625%
HK$22,765
+HK$1,306/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,918/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,464
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,067
−HK$611/mo
Today · 4.125%
HK$23,678
baseline
▲ 0.50% · 4.625%
HK$24,926
+HK$1,248/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,356/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,231
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,985
−HK$766/mo
Today · 4.125%
HK$25,751
baseline
▲ 0.50% · 4.625%
HK$27,318
+HK$1,567/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,502/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,957
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,680
−HK$733/mo
Today · 4.125%
HK$28,413
baseline
▲ 0.50% · 4.625%
HK$29,911
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,826/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,270
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,149
−HK$894/mo
Today · 4.125%
HK$30,043
baseline
▲ 0.50% · 4.625%
HK$31,871
+HK$1,828/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,086/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,450
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,293
−HK$856/mo
Today · 4.125%
HK$33,149
baseline
▲ 0.50% · 4.625%
HK$34,896
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,298/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,347
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,477
−HK$1,149/mo
Today · 4.125%
HK$38,626
baseline
▲ 0.50% · 4.625%
HK$40,976
+HK$2,350/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$77,252/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,436
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,520
−HK$1,100/mo
Today · 4.125%
HK$42,620
baseline
▲ 0.50% · 4.625%
HK$44,867
+HK$2,247/mo
Deposit HK$886K · loan HK$7.97M · min. income ≈ HK$85,240/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,664 · 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).