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$20,256
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,886
−HK$640/mo
Today · 4.125%
HK$21,526
baseline
▲ 0.50% · 4.625%
HK$22,836
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,052/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,534
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$23,138
−HK$614/mo
Today · 4.125%
HK$23,752
baseline
▲ 0.50% · 4.625%
HK$25,004
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,504/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,307
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,063
−HK$768/mo
Today · 4.125%
HK$25,831
baseline
▲ 0.50% · 4.625%
HK$27,403
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,662/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,041
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$736/mo
Today · 4.125%
HK$28,502
baseline
▲ 0.50% · 4.625%
HK$30,004
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,004/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,358
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,240
−HK$896/mo
Today · 4.125%
HK$30,136
baseline
▲ 0.50% · 4.625%
HK$31,970
+HK$1,834/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,272/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,548
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,394
−HK$858/mo
Today · 4.125%
HK$33,252
baseline
▲ 0.50% · 4.625%
HK$35,005
+HK$1,753/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,504/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,460
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,594
−HK$1,152/mo
Today · 4.125%
HK$38,746
baseline
▲ 0.50% · 4.625%
HK$41,104
+HK$2,358/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,492/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,561
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,649
−HK$1,104/mo
Today · 4.125%
HK$42,753
baseline
▲ 0.50% · 4.625%
HK$45,006
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,506/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,491 · 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).