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$20,225
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,854
−HK$639/mo
Today · 4.125%
HK$21,493
baseline
▲ 0.50% · 4.625%
HK$22,801
+HK$1,308/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,986/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,500
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,103
−HK$612/mo
Today · 4.125%
HK$23,715
baseline
▲ 0.50% · 4.625%
HK$24,966
+HK$1,251/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,430/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,270
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,025
−HK$767/mo
Today · 4.125%
HK$25,792
baseline
▲ 0.50% · 4.625%
HK$27,361
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,584/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,000
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,724
−HK$735/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$29,959
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,918/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,315
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,195
−HK$895/mo
Today · 4.125%
HK$30,090
baseline
▲ 0.50% · 4.625%
HK$31,921
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,180/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,500
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,345
−HK$857/mo
Today · 4.125%
HK$33,202
baseline
▲ 0.50% · 4.625%
HK$34,952
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,404/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,405
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,537
−HK$1,151/mo
Today · 4.125%
HK$38,688
baseline
▲ 0.50% · 4.625%
HK$41,042
+HK$2,354/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,376/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,500
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,586
−HK$1,102/mo
Today · 4.125%
HK$42,688
baseline
▲ 0.50% · 4.625%
HK$44,938
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,376/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,086 · 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).