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$20,182
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$20,810
−HK$637/mo
Today · 4.125%
HK$21,447
baseline
▲ 0.50% · 4.625%
HK$22,752
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,894/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,452
−HK$1,213/mo
▼ 0.25% · 3.875%
HK$23,054
−HK$611/mo
Today · 4.125%
HK$23,665
baseline
▲ 0.50% · 4.625%
HK$24,912
+HK$1,247/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,330/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,218
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,971
−HK$766/mo
Today · 4.125%
HK$25,737
baseline
▲ 0.50% · 4.625%
HK$27,303
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,474/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,942
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,665
−HK$733/mo
Today · 4.125%
HK$28,398
baseline
▲ 0.50% · 4.625%
HK$29,895
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,796/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,254
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$29,133
−HK$893/mo
Today · 4.125%
HK$30,026
baseline
▲ 0.50% · 4.625%
HK$31,853
+HK$1,827/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,052/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,433
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$32,276
−HK$855/mo
Today · 4.125%
HK$33,131
baseline
▲ 0.50% · 4.625%
HK$34,877
+HK$1,746/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,262/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,327
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$37,457
−HK$1,148/mo
Today · 4.125%
HK$38,605
baseline
▲ 0.50% · 4.625%
HK$40,954
+HK$2,349/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,210/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,414
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$41,497
−HK$1,100/mo
Today · 4.125%
HK$42,597
baseline
▲ 0.50% · 4.625%
HK$44,842
+HK$2,245/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,194/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,520 · 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).