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$20,227
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,856
−HK$640/mo
Today · 4.125%
HK$21,496
baseline
▲ 0.50% · 4.625%
HK$22,804
+HK$1,308/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$42,992/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,503
−HK$1,215/mo
▼ 0.25% · 3.875%
HK$23,106
−HK$612/mo
Today · 4.125%
HK$23,718
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,436/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,273
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,028
−HK$767/mo
Today · 4.125%
HK$25,795
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,590/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,003
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,727
−HK$735/mo
Today · 4.125%
HK$28,462
baseline
▲ 0.50% · 4.625%
HK$29,962
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,924/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,318
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,199
−HK$895/mo
Today · 4.125%
HK$30,094
baseline
▲ 0.50% · 4.625%
HK$31,925
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,188/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,504
−HK$1,702/mo
▼ 0.25% · 3.875%
HK$32,349
−HK$857/mo
Today · 4.125%
HK$33,206
baseline
▲ 0.50% · 4.625%
HK$34,956
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,412/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,409
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$37,542
−HK$1,150/mo
Today · 4.125%
HK$38,692
baseline
▲ 0.50% · 4.625%
HK$41,047
+HK$2,355/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,384/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,505
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,591
−HK$1,102/mo
Today · 4.125%
HK$42,693
baseline
▲ 0.50% · 4.625%
HK$44,943
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,386/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,119 · 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).