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$20,221
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,850
−HK$640/mo
Today · 4.125%
HK$21,490
baseline
▲ 0.50% · 4.625%
HK$22,797
+HK$1,307/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$42,980/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,496
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,099
−HK$613/mo
Today · 4.125%
HK$23,712
baseline
▲ 0.50% · 4.625%
HK$24,961
+HK$1,249/mo
Deposit HK$4.43M · loan HK$4.43M · min. income ≈ HK$47,424/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,266
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$766/mo
Today · 4.125%
HK$25,787
baseline
▲ 0.50% · 4.625%
HK$27,357
+HK$1,570/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$51,574/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,995
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$735/mo
Today · 4.125%
HK$28,454
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,500/mo
Deposit HK$3.55M · loan HK$5.32M · min. income ≈ HK$56,908/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$266,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,310
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$29,191
−HK$894/mo
Today · 4.125%
HK$30,085
baseline
▲ 0.50% · 4.625%
HK$31,916
+HK$1,831/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,170/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,495
−HK$1,701/mo
▼ 0.25% · 3.875%
HK$32,339
−HK$857/mo
Today · 4.125%
HK$33,196
baseline
▲ 0.50% · 4.625%
HK$34,946
+HK$1,750/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,392/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,399
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$37,531
−HK$1,150/mo
Today · 4.125%
HK$38,681
baseline
▲ 0.50% · 4.625%
HK$41,035
+HK$2,354/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$77,362/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,493
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$41,579
−HK$1,102/mo
Today · 4.125%
HK$42,681
baseline
▲ 0.50% · 4.625%
HK$44,931
+HK$2,250/mo
Deposit HK$887K · loan HK$7.98M · min. income ≈ HK$85,362/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,042 · 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).