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$20,247
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,877
−HK$640/mo
Today · 4.125%
HK$21,517
baseline
▲ 0.50% · 4.625%
HK$22,826
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,034/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,524
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,129
−HK$612/mo
Today · 4.125%
HK$23,741
baseline
▲ 0.50% · 4.625%
HK$24,993
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,482/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,296
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,052
−HK$768/mo
Today · 4.125%
HK$25,820
baseline
▲ 0.50% · 4.625%
HK$27,391
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,640/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,029
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,754
−HK$736/mo
Today · 4.125%
HK$28,490
baseline
▲ 0.50% · 4.625%
HK$29,991
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,980/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,346
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,227
−HK$896/mo
Today · 4.125%
HK$30,123
baseline
▲ 0.50% · 4.625%
HK$31,956
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,246/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,534
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,380
−HK$858/mo
Today · 4.125%
HK$33,238
baseline
▲ 0.50% · 4.625%
HK$34,990
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,476/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,444
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$37,578
−HK$1,152/mo
Today · 4.125%
HK$38,730
baseline
▲ 0.50% · 4.625%
HK$41,086
+HK$2,356/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,460/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,544
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,631
−HK$1,104/mo
Today · 4.125%
HK$42,735
baseline
▲ 0.50% · 4.625%
HK$44,987
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,470/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,377 · 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).