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$20,208
−HK$1,267/mo
▼ 0.25% · 3.875%
HK$20,836
−HK$639/mo
Today · 4.125%
HK$21,475
baseline
▲ 0.50% · 4.625%
HK$22,782
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,950/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,481
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,084
−HK$612/mo
Today · 4.125%
HK$23,696
baseline
▲ 0.50% · 4.625%
HK$24,945
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,392/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$265,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,249
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,004
−HK$766/mo
Today · 4.125%
HK$25,770
baseline
▲ 0.50% · 4.625%
HK$27,338
+HK$1,568/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$51,540/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,977
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,701
−HK$734/mo
Today · 4.125%
HK$28,435
baseline
▲ 0.50% · 4.625%
HK$29,933
+HK$1,498/mo
Deposit HK$3.54M · loan HK$5.32M · min. income ≈ HK$56,870/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,291
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$29,171
−HK$894/mo
Today · 4.125%
HK$30,065
baseline
▲ 0.50% · 4.625%
HK$31,894
+HK$1,829/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,130/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,473
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,317
−HK$857/mo
Today · 4.125%
HK$33,174
baseline
▲ 0.50% · 4.625%
HK$34,922
+HK$1,748/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,348/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,374
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$37,505
−HK$1,150/mo
Today · 4.125%
HK$38,655
baseline
▲ 0.50% · 4.625%
HK$41,007
+HK$2,352/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$77,310/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,466
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$41,551
−HK$1,101/mo
Today · 4.125%
HK$42,652
baseline
▲ 0.50% · 4.625%
HK$44,900
+HK$2,248/mo
Deposit HK$886K · loan HK$7.98M · min. income ≈ HK$85,304/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,862 · 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).