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$20,240
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,869
−HK$640/mo
Today · 4.125%
HK$21,509
baseline
▲ 0.50% · 4.625%
HK$22,818
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,018/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,516
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$613/mo
Today · 4.125%
HK$23,733
baseline
▲ 0.50% · 4.625%
HK$24,984
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,466/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,288
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,043
−HK$768/mo
Today · 4.125%
HK$25,811
baseline
▲ 0.50% · 4.625%
HK$27,381
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,622/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,020
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,744
−HK$735/mo
Today · 4.125%
HK$28,479
baseline
▲ 0.50% · 4.625%
HK$29,981
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,958/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,335
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,217
−HK$895/mo
Today · 4.125%
HK$30,112
baseline
▲ 0.50% · 4.625%
HK$31,945
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,224/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,523
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,368
−HK$858/mo
Today · 4.125%
HK$33,226
baseline
▲ 0.50% · 4.625%
HK$34,977
+HK$1,751/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,452/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,431
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,565
−HK$1,151/mo
Today · 4.125%
HK$38,716
baseline
▲ 0.50% · 4.625%
HK$41,072
+HK$2,356/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,432/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,529
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,616
−HK$1,103/mo
Today · 4.125%
HK$42,719
baseline
▲ 0.50% · 4.625%
HK$44,971
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,438/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,281 · 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).