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$20,228
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,857
−HK$639/mo
Today · 4.125%
HK$21,496
baseline
▲ 0.50% · 4.625%
HK$22,804
+HK$1,308/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$42,992/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,503
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,107
−HK$612/mo
Today · 4.125%
HK$23,719
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,250/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,438/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,273
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,028
−HK$767/mo
Today · 4.125%
HK$25,795
baseline
▲ 0.50% · 4.625%
HK$27,365
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,590/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,004
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,728
−HK$735/mo
Today · 4.125%
HK$28,463
baseline
▲ 0.50% · 4.625%
HK$29,963
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,926/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,319
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,200
−HK$895/mo
Today · 4.125%
HK$30,095
baseline
▲ 0.50% · 4.625%
HK$31,926
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,190/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,504
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,349
−HK$858/mo
Today · 4.125%
HK$33,207
baseline
▲ 0.50% · 4.625%
HK$34,957
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,414/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,410
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,543
−HK$1,150/mo
Today · 4.125%
HK$38,693
baseline
▲ 0.50% · 4.625%
HK$41,048
+HK$2,355/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,386/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,506
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,592
−HK$1,102/mo
Today · 4.125%
HK$42,694
baseline
▲ 0.50% · 4.625%
HK$44,945
+HK$2,251/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,388/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,125 · 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).