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$20,246
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,876
−HK$640/mo
Today · 4.125%
HK$21,516
baseline
▲ 0.50% · 4.625%
HK$22,825
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,032/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,524
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,128
−HK$612/mo
Today · 4.125%
HK$23,740
baseline
▲ 0.50% · 4.625%
HK$24,992
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,480/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,295
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,051
−HK$768/mo
Today · 4.125%
HK$25,819
baseline
▲ 0.50% · 4.625%
HK$27,390
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,638/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,028
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$736/mo
Today · 4.125%
HK$28,489
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,978/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,345
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,226
−HK$896/mo
Today · 4.125%
HK$30,122
baseline
▲ 0.50% · 4.625%
HK$31,955
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,244/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,533
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,379
−HK$858/mo
Today · 4.125%
HK$33,237
baseline
▲ 0.50% · 4.625%
HK$34,989
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,474/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,443
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,577
−HK$1,151/mo
Today · 4.125%
HK$38,728
baseline
▲ 0.50% · 4.625%
HK$41,085
+HK$2,357/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,456/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,542
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,630
−HK$1,103/mo
Today · 4.125%
HK$42,733
baseline
▲ 0.50% · 4.625%
HK$44,985
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,466/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,367 · 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).