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$20,230
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,860
−HK$639/mo
Today · 4.125%
HK$21,499
baseline
▲ 0.50% · 4.625%
HK$22,807
+HK$1,308/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$42,998/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,506
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,110
−HK$612/mo
Today · 4.125%
HK$23,722
baseline
▲ 0.50% · 4.625%
HK$24,972
+HK$1,250/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,444/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,276
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,031
−HK$768/mo
Today · 4.125%
HK$25,799
baseline
▲ 0.50% · 4.625%
HK$27,368
+HK$1,569/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,598/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,007
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,731
−HK$735/mo
Today · 4.125%
HK$28,466
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,932/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,322
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$29,203
−HK$895/mo
Today · 4.125%
HK$30,098
baseline
▲ 0.50% · 4.625%
HK$31,930
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,196/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,508
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,353
−HK$858/mo
Today · 4.125%
HK$33,211
baseline
▲ 0.50% · 4.625%
HK$34,961
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,422/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,414
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,547
−HK$1,151/mo
Today · 4.125%
HK$38,698
baseline
▲ 0.50% · 4.625%
HK$41,053
+HK$2,355/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,396/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,511
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,597
−HK$1,102/mo
Today · 4.125%
HK$42,699
baseline
▲ 0.50% · 4.625%
HK$44,950
+HK$2,251/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,398/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,158 · 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).