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$20,250
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,880
−HK$640/mo
Today · 4.125%
HK$21,520
baseline
▲ 0.50% · 4.625%
HK$22,830
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,040/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,528
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,132
−HK$613/mo
Today · 4.125%
HK$23,745
baseline
▲ 0.50% · 4.625%
HK$24,997
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,490/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,300
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,056
−HK$768/mo
Today · 4.125%
HK$25,824
baseline
▲ 0.50% · 4.625%
HK$27,395
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,648/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,034
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,759
−HK$735/mo
Today · 4.125%
HK$28,494
baseline
▲ 0.50% · 4.625%
HK$29,996
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,988/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,350
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,232
−HK$896/mo
Today · 4.125%
HK$30,128
baseline
▲ 0.50% · 4.625%
HK$31,961
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,256/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,539
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,385
−HK$858/mo
Today · 4.125%
HK$33,243
baseline
▲ 0.50% · 4.625%
HK$34,996
+HK$1,753/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,486/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,450
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,584
−HK$1,152/mo
Today · 4.125%
HK$38,736
baseline
▲ 0.50% · 4.625%
HK$41,093
+HK$2,357/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,472/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,551
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,638
−HK$1,104/mo
Today · 4.125%
HK$42,742
baseline
▲ 0.50% · 4.625%
HK$44,995
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,484/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,421 · 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).