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$20,289
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,920
−HK$642/mo
Today · 4.125%
HK$21,562
baseline
▲ 0.50% · 4.625%
HK$22,874
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,124/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,572
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,177
−HK$614/mo
Today · 4.125%
HK$23,791
baseline
▲ 0.50% · 4.625%
HK$25,045
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,582/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,347
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$769/mo
Today · 4.125%
HK$25,874
baseline
▲ 0.50% · 4.625%
HK$27,448
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,748/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,086
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$737/mo
Today · 4.125%
HK$28,549
baseline
▲ 0.50% · 4.625%
HK$30,054
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,098/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,405
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,289
−HK$897/mo
Today · 4.125%
HK$30,186
baseline
▲ 0.50% · 4.625%
HK$32,023
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,372/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,600
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$860/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,063
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,521
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,657
−HK$1,154/mo
Today · 4.125%
HK$38,811
baseline
▲ 0.50% · 4.625%
HK$41,172
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,622/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,629
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,719
−HK$1,105/mo
Today · 4.125%
HK$42,824
baseline
▲ 0.50% · 4.625%
HK$45,081
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,648/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,935 · 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).