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$20,241
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$640/mo
Today · 4.125%
HK$21,511
baseline
▲ 0.50% · 4.625%
HK$22,820
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,022/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,518
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,122
−HK$613/mo
Today · 4.125%
HK$23,735
baseline
▲ 0.50% · 4.625%
HK$24,986
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,470/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,290
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,045
−HK$768/mo
Today · 4.125%
HK$25,813
baseline
▲ 0.50% · 4.625%
HK$27,384
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,626/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,022
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$735/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$29,983
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,338
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,219
−HK$896/mo
Today · 4.125%
HK$30,115
baseline
▲ 0.50% · 4.625%
HK$31,947
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,230/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,526
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,371
−HK$858/mo
Today · 4.125%
HK$33,229
baseline
▲ 0.50% · 4.625%
HK$34,981
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,458/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,435
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,568
−HK$1,151/mo
Today · 4.125%
HK$38,719
baseline
▲ 0.50% · 4.625%
HK$41,075
+HK$2,356/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,438/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,533
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,620
−HK$1,103/mo
Today · 4.125%
HK$42,723
baseline
▲ 0.50% · 4.625%
HK$44,975
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,446/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,305 · 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).