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$20,187
−HK$1,266/mo
▼ 0.25% · 3.875%
HK$20,815
−HK$638/mo
Today · 4.125%
HK$21,453
baseline
▲ 0.50% · 4.625%
HK$22,758
+HK$1,305/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,906/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,457
−HK$1,214/mo
▼ 0.25% · 3.875%
HK$23,060
−HK$611/mo
Today · 4.125%
HK$23,671
baseline
▲ 0.50% · 4.625%
HK$24,918
+HK$1,247/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,342/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$265,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,224
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,977
−HK$766/mo
Today · 4.125%
HK$25,743
baseline
▲ 0.50% · 4.625%
HK$27,309
+HK$1,566/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$51,486/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,949
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,672
−HK$733/mo
Today · 4.125%
HK$28,405
baseline
▲ 0.50% · 4.625%
HK$29,902
+HK$1,497/mo
Deposit HK$3.54M · loan HK$5.31M · min. income ≈ HK$56,810/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$265,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,261
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$29,140
−HK$894/mo
Today · 4.125%
HK$30,034
baseline
▲ 0.50% · 4.625%
HK$31,861
+HK$1,827/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$60,068/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,440
−HK$1,699/mo
▼ 0.25% · 3.875%
HK$32,284
−HK$855/mo
Today · 4.125%
HK$33,139
baseline
▲ 0.50% · 4.625%
HK$34,886
+HK$1,747/mo
Deposit HK$2.66M · loan HK$6.20M · min. income ≈ HK$66,278/mo (50% DSR)
Upfront cash ≈ HK$2.92M (deposit + AVD stamp duty HK$265,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,336
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$37,466
−HK$1,149/mo
Today · 4.125%
HK$38,615
baseline
▲ 0.50% · 4.625%
HK$40,964
+HK$2,349/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$77,230/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,423
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$41,507
−HK$1,100/mo
Today · 4.125%
HK$42,607
baseline
▲ 0.50% · 4.625%
HK$44,853
+HK$2,246/mo
Deposit HK$885K · loan HK$7.97M · min. income ≈ HK$85,214/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$265,584 · 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).