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$20,235
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,865
−HK$639/mo
Today · 4.125%
HK$21,504
baseline
▲ 0.50% · 4.625%
HK$22,813
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,008/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,511
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,115
−HK$613/mo
Today · 4.125%
HK$23,728
baseline
▲ 0.50% · 4.625%
HK$24,978
+HK$1,250/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,456/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,282
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,038
−HK$767/mo
Today · 4.125%
HK$25,805
baseline
▲ 0.50% · 4.625%
HK$27,375
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,610/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,014
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,738
−HK$735/mo
Today · 4.125%
HK$28,473
baseline
▲ 0.50% · 4.625%
HK$29,974
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,946/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,329
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,210
−HK$896/mo
Today · 4.125%
HK$30,106
baseline
▲ 0.50% · 4.625%
HK$31,938
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,212/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,516
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,361
−HK$858/mo
Today · 4.125%
HK$33,219
baseline
▲ 0.50% · 4.625%
HK$34,970
+HK$1,751/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,438/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,423
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,556
−HK$1,151/mo
Today · 4.125%
HK$38,707
baseline
▲ 0.50% · 4.625%
HK$41,063
+HK$2,356/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$77,414/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,521
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,607
−HK$1,103/mo
Today · 4.125%
HK$42,710
baseline
▲ 0.50% · 4.625%
HK$44,961
+HK$2,251/mo
Deposit HK$887K · loan HK$7.99M · min. income ≈ HK$85,420/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,223 · 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).