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$20,243
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,872
−HK$640/mo
Today · 4.125%
HK$21,512
baseline
▲ 0.50% · 4.625%
HK$22,821
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,024/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,520
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,124
−HK$612/mo
Today · 4.125%
HK$23,736
baseline
▲ 0.50% · 4.625%
HK$24,988
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,472/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,291
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,047
−HK$767/mo
Today · 4.125%
HK$25,814
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,628/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,024
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,748
−HK$736/mo
Today · 4.125%
HK$28,484
baseline
▲ 0.50% · 4.625%
HK$29,985
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,968/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,340
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,221
−HK$896/mo
Today · 4.125%
HK$30,117
baseline
▲ 0.50% · 4.625%
HK$31,949
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,234/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,528
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,373
−HK$858/mo
Today · 4.125%
HK$33,231
baseline
▲ 0.50% · 4.625%
HK$34,983
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,462/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,437
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,570
−HK$1,152/mo
Today · 4.125%
HK$38,722
baseline
▲ 0.50% · 4.625%
HK$41,078
+HK$2,356/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,444/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,535
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,623
−HK$1,102/mo
Today · 4.125%
HK$42,725
baseline
▲ 0.50% · 4.625%
HK$44,978
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,450/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,321 · 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).