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$20,254
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,884
−HK$640/mo
Today · 4.125%
HK$21,524
baseline
▲ 0.50% · 4.625%
HK$22,833
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,048/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,532
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,136
−HK$613/mo
Today · 4.125%
HK$23,749
baseline
▲ 0.50% · 4.625%
HK$25,001
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,498/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,304
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,060
−HK$768/mo
Today · 4.125%
HK$25,828
baseline
▲ 0.50% · 4.625%
HK$27,400
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,656/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,038
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,763
−HK$736/mo
Today · 4.125%
HK$28,499
baseline
▲ 0.50% · 4.625%
HK$30,001
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,998/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,355
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,237
−HK$896/mo
Today · 4.125%
HK$30,133
baseline
▲ 0.50% · 4.625%
HK$31,967
+HK$1,834/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,266/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,545
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,391
−HK$858/mo
Today · 4.125%
HK$33,249
baseline
▲ 0.50% · 4.625%
HK$35,001
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,498/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,456
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,590
−HK$1,152/mo
Today · 4.125%
HK$38,742
baseline
▲ 0.50% · 4.625%
HK$41,100
+HK$2,358/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,484/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,557
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$41,645
−HK$1,104/mo
Today · 4.125%
HK$42,749
baseline
▲ 0.50% · 4.625%
HK$45,002
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,498/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,464 · 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).