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$20,288
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$641/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,570
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$614/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,044
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,346
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,103
−HK$769/mo
Today · 4.125%
HK$25,872
baseline
▲ 0.50% · 4.625%
HK$27,447
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,744/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,084
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,811
−HK$737/mo
Today · 4.125%
HK$28,548
baseline
▲ 0.50% · 4.625%
HK$30,053
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,096/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,403
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,287
−HK$898/mo
Today · 4.125%
HK$30,185
baseline
▲ 0.50% · 4.625%
HK$32,021
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,370/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,598
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,446
−HK$860/mo
Today · 4.125%
HK$33,306
baseline
▲ 0.50% · 4.625%
HK$35,061
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,612/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,519
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,655
−HK$1,154/mo
Today · 4.125%
HK$38,809
baseline
▲ 0.50% · 4.625%
HK$41,170
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,618/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,627
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,716
−HK$1,106/mo
Today · 4.125%
HK$42,822
baseline
▲ 0.50% · 4.625%
HK$45,079
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,644/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,920 · 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).