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$20,293
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,924
−HK$641/mo
Today · 4.125%
HK$21,565
baseline
▲ 0.50% · 4.625%
HK$22,877
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,130/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,575
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,181
−HK$614/mo
Today · 4.125%
HK$23,795
baseline
▲ 0.50% · 4.625%
HK$25,049
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,590/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,351
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,109
−HK$769/mo
Today · 4.125%
HK$25,878
baseline
▲ 0.50% · 4.625%
HK$27,453
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,756/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,091
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$737/mo
Today · 4.125%
HK$28,554
baseline
▲ 0.50% · 4.625%
HK$30,059
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,108/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,410
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,293
−HK$898/mo
Today · 4.125%
HK$30,191
baseline
▲ 0.50% · 4.625%
HK$32,028
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,382/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,606
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,453
−HK$860/mo
Today · 4.125%
HK$33,313
baseline
▲ 0.50% · 4.625%
HK$35,069
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,626/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,527
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,663
−HK$1,154/mo
Today · 4.125%
HK$38,817
baseline
▲ 0.50% · 4.625%
HK$41,179
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,634/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,636
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,726
−HK$1,105/mo
Today · 4.125%
HK$42,831
baseline
▲ 0.50% · 4.625%
HK$45,089
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,662/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,980 · 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).