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$20,244
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,873
−HK$640/mo
Today · 4.125%
HK$21,513
baseline
▲ 0.50% · 4.625%
HK$22,822
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,026/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,521
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,125
−HK$612/mo
Today · 4.125%
HK$23,737
baseline
▲ 0.50% · 4.625%
HK$24,989
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,474/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,292
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,048
−HK$768/mo
Today · 4.125%
HK$25,816
baseline
▲ 0.50% · 4.625%
HK$27,386
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,632/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,025
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,750
−HK$735/mo
Today · 4.125%
HK$28,485
baseline
▲ 0.50% · 4.625%
HK$29,986
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,970/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,341
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,222
−HK$896/mo
Today · 4.125%
HK$30,118
baseline
▲ 0.50% · 4.625%
HK$31,951
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,236/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,529
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,375
−HK$857/mo
Today · 4.125%
HK$33,232
baseline
▲ 0.50% · 4.625%
HK$34,984
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,464/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,438
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,572
−HK$1,151/mo
Today · 4.125%
HK$38,723
baseline
▲ 0.50% · 4.625%
HK$41,080
+HK$2,357/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,446/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,537
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,624
−HK$1,103/mo
Today · 4.125%
HK$42,727
baseline
▲ 0.50% · 4.625%
HK$44,980
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,454/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,333 · 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).