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$20,256
−HK$1,270/mo
▼ 0.25% · 3.875%
HK$20,886
−HK$640/mo
Today · 4.125%
HK$21,526
baseline
▲ 0.50% · 4.625%
HK$22,836
+HK$1,310/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,052/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,535
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,139
−HK$613/mo
Today · 4.125%
HK$23,752
baseline
▲ 0.50% · 4.625%
HK$25,004
+HK$1,252/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,504/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,307
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,064
−HK$768/mo
Today · 4.125%
HK$25,832
baseline
▲ 0.50% · 4.625%
HK$27,403
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,664/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,042
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,767
−HK$736/mo
Today · 4.125%
HK$28,503
baseline
▲ 0.50% · 4.625%
HK$30,005
+HK$1,502/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$57,006/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,359
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$29,241
−HK$896/mo
Today · 4.125%
HK$30,137
baseline
▲ 0.50% · 4.625%
HK$31,971
+HK$1,834/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$60,274/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,549
−HK$1,704/mo
▼ 0.25% · 3.875%
HK$32,395
−HK$858/mo
Today · 4.125%
HK$33,253
baseline
▲ 0.50% · 4.625%
HK$35,006
+HK$1,753/mo
Deposit HK$2.66M · loan HK$6.22M · min. income ≈ HK$66,506/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$37,595
−HK$1,153/mo
Today · 4.125%
HK$38,748
baseline
▲ 0.50% · 4.625%
HK$41,105
+HK$2,357/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,496/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,563
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$41,650
−HK$1,104/mo
Today · 4.125%
HK$42,754
baseline
▲ 0.50% · 4.625%
HK$45,008
+HK$2,254/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,508/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,499 · 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).