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$20,255
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,885
−HK$640/mo
Today · 4.125%
HK$21,525
baseline
▲ 0.50% · 4.625%
HK$22,835
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,050/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,534
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,138
−HK$613/mo
Today · 4.125%
HK$23,751
baseline
▲ 0.50% · 4.625%
HK$25,003
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,502/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,306
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,062
−HK$769/mo
Today · 4.125%
HK$25,831
baseline
▲ 0.50% · 4.625%
HK$27,402
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,662/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,041
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$735/mo
Today · 4.125%
HK$28,501
baseline
▲ 0.50% · 4.625%
HK$30,004
+HK$1,503/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,002/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,357
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,239
−HK$897/mo
Today · 4.125%
HK$30,136
baseline
▲ 0.50% · 4.625%
HK$31,969
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,272/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,547
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,393
−HK$859/mo
Today · 4.125%
HK$33,252
baseline
▲ 0.50% · 4.625%
HK$35,004
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,504/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,460
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,594
−HK$1,152/mo
Today · 4.125%
HK$38,746
baseline
▲ 0.50% · 4.625%
HK$41,103
+HK$2,357/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,492/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,561
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,649
−HK$1,103/mo
Today · 4.125%
HK$42,752
baseline
▲ 0.50% · 4.625%
HK$45,006
+HK$2,254/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,504/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,488 · 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).