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$20,237
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,867
−HK$639/mo
Today · 4.125%
HK$21,506
baseline
▲ 0.50% · 4.625%
HK$22,815
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,012/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,514
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,117
−HK$613/mo
Today · 4.125%
HK$23,730
baseline
▲ 0.50% · 4.625%
HK$24,981
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,460/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,285
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,040
−HK$767/mo
Today · 4.125%
HK$25,807
baseline
▲ 0.50% · 4.625%
HK$27,378
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,614/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,016
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,741
−HK$735/mo
Today · 4.125%
HK$28,476
baseline
▲ 0.50% · 4.625%
HK$29,977
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,952/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,332
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,213
−HK$896/mo
Today · 4.125%
HK$30,109
baseline
▲ 0.50% · 4.625%
HK$31,941
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,218/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,519
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,364
−HK$858/mo
Today · 4.125%
HK$33,222
baseline
▲ 0.50% · 4.625%
HK$34,973
+HK$1,751/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,444/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,427
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,560
−HK$1,151/mo
Today · 4.125%
HK$38,711
baseline
▲ 0.50% · 4.625%
HK$41,067
+HK$2,356/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$77,422/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,525
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,611
−HK$1,103/mo
Today · 4.125%
HK$42,714
baseline
▲ 0.50% · 4.625%
HK$44,966
+HK$2,252/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$85,428/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,249 · 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).