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$20,232
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,861
−HK$639/mo
Today · 4.125%
HK$21,500
baseline
▲ 0.50% · 4.625%
HK$22,809
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,000/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,508
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,111
−HK$613/mo
Today · 4.125%
HK$23,724
baseline
▲ 0.50% · 4.625%
HK$24,974
+HK$1,250/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,448/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,278
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,033
−HK$767/mo
Today · 4.125%
HK$25,800
baseline
▲ 0.50% · 4.625%
HK$27,370
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,600/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,009
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,733
−HK$735/mo
Today · 4.125%
HK$28,468
baseline
▲ 0.50% · 4.625%
HK$29,969
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,936/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,324
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,205
−HK$896/mo
Today · 4.125%
HK$30,101
baseline
▲ 0.50% · 4.625%
HK$31,932
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,202/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,511
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,356
−HK$857/mo
Today · 4.125%
HK$33,213
baseline
▲ 0.50% · 4.625%
HK$34,964
+HK$1,751/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,426/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,417
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,550
−HK$1,151/mo
Today · 4.125%
HK$38,701
baseline
▲ 0.50% · 4.625%
HK$41,056
+HK$2,355/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$77,402/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,514
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,600
−HK$1,102/mo
Today · 4.125%
HK$42,702
baseline
▲ 0.50% · 4.625%
HK$44,953
+HK$2,251/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$85,404/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,177 · 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).