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$20,240
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,870
−HK$639/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,018/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,517
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,121
−HK$612/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$24,984
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,288
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,043
−HK$768/mo
Today · 4.125%
HK$25,811
baseline
▲ 0.50% · 4.625%
HK$27,382
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,622/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,020
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,745
−HK$735/mo
Today · 4.125%
HK$28,480
baseline
▲ 0.50% · 4.625%
HK$29,981
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,960/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,336
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,217
−HK$896/mo
Today · 4.125%
HK$30,113
baseline
▲ 0.50% · 4.625%
HK$31,945
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,226/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,523
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,369
−HK$858/mo
Today · 4.125%
HK$33,227
baseline
▲ 0.50% · 4.625%
HK$34,978
+HK$1,751/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,454/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,432
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,565
−HK$1,152/mo
Today · 4.125%
HK$38,717
baseline
▲ 0.50% · 4.625%
HK$41,072
+HK$2,355/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,434/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,530
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,617
−HK$1,103/mo
Today · 4.125%
HK$42,720
baseline
▲ 0.50% · 4.625%
HK$44,972
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,440/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,286 · 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).