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$20,234
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,863
−HK$640/mo
Today · 4.125%
HK$21,503
baseline
▲ 0.50% · 4.625%
HK$22,811
+HK$1,308/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,006/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,510
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,114
−HK$612/mo
Today · 4.125%
HK$23,726
baseline
▲ 0.50% · 4.625%
HK$24,977
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,452/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,281
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,036
−HK$767/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,012
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,737
−HK$735/mo
Today · 4.125%
HK$28,472
baseline
▲ 0.50% · 4.625%
HK$29,972
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,944/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,328
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,209
−HK$895/mo
Today · 4.125%
HK$30,104
baseline
▲ 0.50% · 4.625%
HK$31,936
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,208/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,514
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,359
−HK$858/mo
Today · 4.125%
HK$33,217
baseline
▲ 0.50% · 4.625%
HK$34,968
+HK$1,751/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,434/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,421
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,554
−HK$1,151/mo
Today · 4.125%
HK$38,705
baseline
▲ 0.50% · 4.625%
HK$41,060
+HK$2,355/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$77,410/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,518
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,605
−HK$1,102/mo
Today · 4.125%
HK$42,707
baseline
▲ 0.50% · 4.625%
HK$44,958
+HK$2,251/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$85,414/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,207 · 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).