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$20,252
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,882
−HK$640/mo
Today · 4.125%
HK$21,522
baseline
▲ 0.50% · 4.625%
HK$22,832
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,044/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,531
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,135
−HK$613/mo
Today · 4.125%
HK$23,748
baseline
▲ 0.50% · 4.625%
HK$25,000
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,496/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,303
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,059
−HK$768/mo
Today · 4.125%
HK$25,827
baseline
▲ 0.50% · 4.625%
HK$27,398
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,654/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,037
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,762
−HK$735/mo
Today · 4.125%
HK$28,497
baseline
▲ 0.50% · 4.625%
HK$30,000
+HK$1,503/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,994/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,353
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,235
−HK$896/mo
Today · 4.125%
HK$30,131
baseline
▲ 0.50% · 4.625%
HK$31,965
+HK$1,834/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,262/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,543
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,389
−HK$858/mo
Today · 4.125%
HK$33,247
baseline
▲ 0.50% · 4.625%
HK$34,999
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,494/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,454
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,588
−HK$1,152/mo
Today · 4.125%
HK$38,740
baseline
▲ 0.50% · 4.625%
HK$41,098
+HK$2,358/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,480/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,555
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,643
−HK$1,103/mo
Today · 4.125%
HK$42,746
baseline
▲ 0.50% · 4.625%
HK$44,999
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,492/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,450 · 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).