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$20,282
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,913
−HK$641/mo
Today · 4.125%
HK$21,554
baseline
▲ 0.50% · 4.625%
HK$22,865
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,108/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,563
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,169
−HK$613/mo
Today · 4.125%
HK$23,782
baseline
▲ 0.50% · 4.625%
HK$25,036
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,564/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,338
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,095
−HK$770/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,438
+HK$1,573/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,076
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,802
−HK$737/mo
Today · 4.125%
HK$28,539
baseline
▲ 0.50% · 4.625%
HK$30,043
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,078/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$29,278
−HK$897/mo
Today · 4.125%
HK$30,175
baseline
▲ 0.50% · 4.625%
HK$32,011
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,350/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,589
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,436
−HK$859/mo
Today · 4.125%
HK$33,295
baseline
▲ 0.50% · 4.625%
HK$35,050
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,590/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,507
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,643
−HK$1,154/mo
Today · 4.125%
HK$38,797
baseline
▲ 0.50% · 4.625%
HK$41,157
+HK$2,360/mo
Deposit HK$889K · loan HK$8.01M · min. income ≈ HK$77,594/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,614
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,703
−HK$1,105/mo
Today · 4.125%
HK$42,808
baseline
▲ 0.50% · 4.625%
HK$45,065
+HK$2,257/mo
Deposit HK$889K · loan HK$8.01M · min. income ≈ HK$85,616/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,838 · 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).