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$20,865
−HK$640/mo
Today · 4.125%
HK$21,505
baseline
▲ 0.50% · 4.625%
HK$22,813
+HK$1,308/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$266,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,512
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$612/mo
Today · 4.125%
HK$23,728
baseline
▲ 0.50% · 4.625%
HK$24,979
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,456/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,283
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$767/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,376
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,610/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,014
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,739
−HK$735/mo
Today · 4.125%
HK$28,474
baseline
▲ 0.50% · 4.625%
HK$29,975
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,948/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,330
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,211
−HK$895/mo
Today · 4.125%
HK$30,106
baseline
▲ 0.50% · 4.625%
HK$31,938
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,212/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,517
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,362
−HK$857/mo
Today · 4.125%
HK$33,219
baseline
▲ 0.50% · 4.625%
HK$34,970
+HK$1,751/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,438/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,424
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,557
−HK$1,151/mo
Today · 4.125%
HK$38,708
baseline
▲ 0.50% · 4.625%
HK$41,064
+HK$2,356/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$77,416/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,521
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,608
−HK$1,103/mo
Today · 4.125%
HK$42,711
baseline
▲ 0.50% · 4.625%
HK$44,962
+HK$2,251/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$85,422/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,229 · 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).