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$20,245
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,875
−HK$640/mo
Today · 4.125%
HK$21,515
baseline
▲ 0.50% · 4.625%
HK$22,824
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,030/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,522
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,126
−HK$613/mo
Today · 4.125%
HK$23,739
baseline
▲ 0.50% · 4.625%
HK$24,991
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,478/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,294
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,050
−HK$768/mo
Today · 4.125%
HK$25,818
baseline
▲ 0.50% · 4.625%
HK$27,388
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,636/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,027
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,752
−HK$735/mo
Today · 4.125%
HK$28,487
baseline
▲ 0.50% · 4.625%
HK$29,989
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,974/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,343
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,225
−HK$895/mo
Today · 4.125%
HK$30,120
baseline
▲ 0.50% · 4.625%
HK$31,953
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,240/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,531
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,377
−HK$858/mo
Today · 4.125%
HK$33,235
baseline
▲ 0.50% · 4.625%
HK$34,987
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,470/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,441
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,575
−HK$1,151/mo
Today · 4.125%
HK$38,726
baseline
▲ 0.50% · 4.625%
HK$41,083
+HK$2,357/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,452/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,540
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,628
−HK$1,103/mo
Today · 4.125%
HK$42,731
baseline
▲ 0.50% · 4.625%
HK$44,983
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,462/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,353 · 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).