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$20,238
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,867
−HK$640/mo
Today · 4.125%
HK$21,507
baseline
▲ 0.50% · 4.625%
HK$22,816
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,014/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,515
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,118
−HK$613/mo
Today · 4.125%
HK$23,731
baseline
▲ 0.50% · 4.625%
HK$24,982
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,462/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,286
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$767/mo
Today · 4.125%
HK$25,808
baseline
▲ 0.50% · 4.625%
HK$27,379
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,616/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,742
−HK$735/mo
Today · 4.125%
HK$28,477
baseline
▲ 0.50% · 4.625%
HK$29,978
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,954/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,333
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,214
−HK$896/mo
Today · 4.125%
HK$30,110
baseline
▲ 0.50% · 4.625%
HK$31,942
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,220/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,520
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,366
−HK$857/mo
Today · 4.125%
HK$33,223
baseline
▲ 0.50% · 4.625%
HK$34,975
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,446/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,428
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,561
−HK$1,152/mo
Today · 4.125%
HK$38,713
baseline
▲ 0.50% · 4.625%
HK$41,068
+HK$2,355/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,426/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,526
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,613
−HK$1,103/mo
Today · 4.125%
HK$42,716
baseline
▲ 0.50% · 4.625%
HK$44,967
+HK$2,251/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,432/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,260 · 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).