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$20,248
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,878
−HK$640/mo
Today · 4.125%
HK$21,518
baseline
▲ 0.50% · 4.625%
HK$22,827
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,036/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,526
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$613/mo
Today · 4.125%
HK$23,743
baseline
▲ 0.50% · 4.625%
HK$24,994
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,486/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,298
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,053
−HK$768/mo
Today · 4.125%
HK$25,821
baseline
▲ 0.50% · 4.625%
HK$27,393
+HK$1,572/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,642/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,031
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,756
−HK$735/mo
Today · 4.125%
HK$28,491
baseline
▲ 0.50% · 4.625%
HK$29,993
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,982/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,347
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,229
−HK$896/mo
Today · 4.125%
HK$30,125
baseline
▲ 0.50% · 4.625%
HK$31,958
+HK$1,833/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,250/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,536
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,382
−HK$858/mo
Today · 4.125%
HK$33,240
baseline
▲ 0.50% · 4.625%
HK$34,992
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,480/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,447
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,580
−HK$1,152/mo
Today · 4.125%
HK$38,732
baseline
▲ 0.50% · 4.625%
HK$41,089
+HK$2,357/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,464/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,546
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,634
−HK$1,103/mo
Today · 4.125%
HK$42,737
baseline
▲ 0.50% · 4.625%
HK$44,990
+HK$2,253/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,474/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,392 · 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).