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$20,239
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,868
−HK$640/mo
Today · 4.125%
HK$21,508
baseline
▲ 0.50% · 4.625%
HK$22,816
+HK$1,308/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$43,016/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,515
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,119
−HK$613/mo
Today · 4.125%
HK$23,732
baseline
▲ 0.50% · 4.625%
HK$24,983
+HK$1,251/mo
Deposit HK$4.44M · loan HK$4.44M · min. income ≈ HK$47,464/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$266,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,286
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,042
−HK$767/mo
Today · 4.125%
HK$25,809
baseline
▲ 0.50% · 4.625%
HK$27,380
+HK$1,571/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$51,618/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,018
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,743
−HK$735/mo
Today · 4.125%
HK$28,478
baseline
▲ 0.50% · 4.625%
HK$29,979
+HK$1,501/mo
Deposit HK$3.55M · loan HK$5.33M · min. income ≈ HK$56,956/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,334
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$29,215
−HK$896/mo
Today · 4.125%
HK$30,111
baseline
▲ 0.50% · 4.625%
HK$31,943
+HK$1,832/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$60,222/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,521
−HK$1,703/mo
▼ 0.25% · 3.875%
HK$32,367
−HK$857/mo
Today · 4.125%
HK$33,224
baseline
▲ 0.50% · 4.625%
HK$34,976
+HK$1,752/mo
Deposit HK$2.66M · loan HK$6.21M · min. income ≈ HK$66,448/mo (50% DSR)
Upfront cash ≈ HK$2.93M (deposit + AVD stamp duty HK$266,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,430
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$37,563
−HK$1,151/mo
Today · 4.125%
HK$38,714
baseline
▲ 0.50% · 4.625%
HK$41,070
+HK$2,356/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$77,428/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,528
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$41,614
−HK$1,103/mo
Today · 4.125%
HK$42,717
baseline
▲ 0.50% · 4.625%
HK$44,969
+HK$2,252/mo
Deposit HK$888K · loan HK$7.99M · min. income ≈ HK$85,434/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$266,268 · 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).