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$20,236
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$639/mo
Today · 4.125%
HK$21,505
baseline
▲ 0.50% · 4.625%
HK$22,814
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,010/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,513
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$613/mo
Today · 4.125%
HK$23,729
baseline
▲ 0.50% · 4.625%
HK$24,980
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,458/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,283
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$767/mo
Today · 4.125%
HK$25,806
baseline
▲ 0.50% · 4.625%
HK$27,376
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,612/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,015
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,740
−HK$735/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$29,976
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,950/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,331
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,212
−HK$895/mo
Today · 4.125%
HK$30,107
baseline
▲ 0.50% · 4.625%
HK$31,939
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,214/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,518
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,363
−HK$857/mo
Today · 4.125%
HK$33,220
baseline
▲ 0.50% · 4.625%
HK$34,972
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,440/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,425
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,558
−HK$1,151/mo
Today · 4.125%
HK$38,709
baseline
▲ 0.50% · 4.625%
HK$41,065
+HK$2,356/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$77,418/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,523
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,609
−HK$1,103/mo
Today · 4.125%
HK$42,712
baseline
▲ 0.50% · 4.625%
HK$44,963
+HK$2,251/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$85,424/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,236 · 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).