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$20,317
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,949
−HK$642/mo
Today · 4.125%
HK$21,591
baseline
▲ 0.50% · 4.625%
HK$22,905
+HK$1,314/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,182/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,602
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,209
−HK$615/mo
Today · 4.125%
HK$23,824
baseline
▲ 0.50% · 4.625%
HK$25,079
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,648/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,380
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,139
−HK$770/mo
Today · 4.125%
HK$25,909
baseline
▲ 0.50% · 4.625%
HK$27,486
+HK$1,577/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,818/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,123
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,850
−HK$738/mo
Today · 4.125%
HK$28,588
baseline
▲ 0.50% · 4.625%
HK$30,095
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,176/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,444
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,329
−HK$899/mo
Today · 4.125%
HK$30,228
baseline
▲ 0.50% · 4.625%
HK$32,067
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,456/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,643
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,492
−HK$861/mo
Today · 4.125%
HK$33,353
baseline
▲ 0.50% · 4.625%
HK$35,111
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,706/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,571
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,708
−HK$1,156/mo
Today · 4.125%
HK$38,864
baseline
▲ 0.50% · 4.625%
HK$41,229
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,728/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,684
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,776
−HK$1,107/mo
Today · 4.125%
HK$42,883
baseline
▲ 0.50% · 4.625%
HK$45,143
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,766/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,300 · 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).