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$20,242
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,871
−HK$640/mo
Today · 4.125%
HK$21,511
baseline
▲ 0.50% · 4.625%
HK$22,820
+HK$1,309/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,022/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,519
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,123
−HK$612/mo
Today · 4.125%
HK$23,735
baseline
▲ 0.50% · 4.625%
HK$24,987
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,470/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,290
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,046
−HK$767/mo
Today · 4.125%
HK$25,813
baseline
▲ 0.50% · 4.625%
HK$27,384
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,626/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,023
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$735/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$29,984
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,338
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,220
−HK$896/mo
Today · 4.125%
HK$30,116
baseline
▲ 0.50% · 4.625%
HK$31,948
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,232/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,526
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,372
−HK$858/mo
Today · 4.125%
HK$33,230
baseline
▲ 0.50% · 4.625%
HK$34,981
+HK$1,751/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,460/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,435
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$37,569
−HK$1,151/mo
Today · 4.125%
HK$38,720
baseline
▲ 0.50% · 4.625%
HK$41,076
+HK$2,356/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,440/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,534
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$41,621
−HK$1,103/mo
Today · 4.125%
HK$42,724
baseline
▲ 0.50% · 4.625%
HK$44,976
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,448/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,310 · 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).