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$20,308
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,940
−HK$642/mo
Today · 4.125%
HK$21,582
baseline
▲ 0.50% · 4.625%
HK$22,895
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,164/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,593
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,199
−HK$614/mo
Today · 4.125%
HK$23,813
baseline
▲ 0.50% · 4.625%
HK$25,069
+HK$1,256/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,626/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,370
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,128
−HK$770/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,474
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,111
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$738/mo
Today · 4.125%
HK$28,576
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,152/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,431
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,316
−HK$898/mo
Today · 4.125%
HK$30,214
baseline
▲ 0.50% · 4.625%
HK$32,053
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,428/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,630
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,478
−HK$861/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,096
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,555
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,692
−HK$1,155/mo
Today · 4.125%
HK$38,847
baseline
▲ 0.50% · 4.625%
HK$41,211
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,694/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,667
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,757
−HK$1,107/mo
Today · 4.125%
HK$42,864
baseline
▲ 0.50% · 4.625%
HK$45,123
+HK$2,259/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,728/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,184 · 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).