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$20,229
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,858
−HK$639/mo
Today · 4.125%
HK$21,497
baseline
▲ 0.50% · 4.625%
HK$22,805
+HK$1,308/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$42,994/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,504
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,108
−HK$612/mo
Today · 4.125%
HK$23,720
baseline
▲ 0.50% · 4.625%
HK$24,970
+HK$1,250/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,440/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,274
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$768/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,366
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,005
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,729
−HK$735/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,320
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,201
−HK$895/mo
Today · 4.125%
HK$30,096
baseline
▲ 0.50% · 4.625%
HK$31,927
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,192/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,506
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,351
−HK$857/mo
Today · 4.125%
HK$33,208
baseline
▲ 0.50% · 4.625%
HK$34,958
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,416/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,412
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,544
−HK$1,151/mo
Today · 4.125%
HK$38,695
baseline
▲ 0.50% · 4.625%
HK$41,049
+HK$2,354/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,390/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,507
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,594
−HK$1,102/mo
Today · 4.125%
HK$42,696
baseline
▲ 0.50% · 4.625%
HK$44,946
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,392/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,136 · 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).