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$20,224
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,853
−HK$639/mo
Today · 4.125%
HK$21,492
baseline
▲ 0.50% · 4.625%
HK$22,800
+HK$1,308/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,984/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,499
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,102
−HK$612/mo
Today · 4.125%
HK$23,714
baseline
▲ 0.50% · 4.625%
HK$24,964
+HK$1,250/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,428/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,268
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$767/mo
Today · 4.125%
HK$25,790
baseline
▲ 0.50% · 4.625%
HK$27,360
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,580/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,723
−HK$734/mo
Today · 4.125%
HK$28,457
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,914/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,313
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,194
−HK$895/mo
Today · 4.125%
HK$30,089
baseline
▲ 0.50% · 4.625%
HK$31,920
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,178/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,498
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,343
−HK$857/mo
Today · 4.125%
HK$33,200
baseline
▲ 0.50% · 4.625%
HK$34,950
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,400/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,403
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,535
−HK$1,150/mo
Today · 4.125%
HK$38,685
baseline
▲ 0.50% · 4.625%
HK$41,039
+HK$2,354/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,370/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,498
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,584
−HK$1,102/mo
Today · 4.125%
HK$42,686
baseline
▲ 0.50% · 4.625%
HK$44,936
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,372/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,072 · 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).