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$20,301
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,932
−HK$642/mo
Today · 4.125%
HK$21,574
baseline
▲ 0.50% · 4.625%
HK$22,887
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,148/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,584
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,190
−HK$615/mo
Today · 4.125%
HK$23,805
baseline
▲ 0.50% · 4.625%
HK$25,059
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,610/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,361
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,119
−HK$770/mo
Today · 4.125%
HK$25,889
baseline
▲ 0.50% · 4.625%
HK$27,464
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,778/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,101
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,828
−HK$738/mo
Today · 4.125%
HK$28,566
baseline
▲ 0.50% · 4.625%
HK$30,071
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,132/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,421
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,305
−HK$898/mo
Today · 4.125%
HK$30,203
baseline
▲ 0.50% · 4.625%
HK$32,041
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,406/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,618
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,466
−HK$861/mo
Today · 4.125%
HK$33,327
baseline
▲ 0.50% · 4.625%
HK$35,083
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,654/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,542
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,678
−HK$1,155/mo
Today · 4.125%
HK$38,833
baseline
▲ 0.50% · 4.625%
HK$41,196
+HK$2,363/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,666/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,652
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,742
−HK$1,106/mo
Today · 4.125%
HK$42,848
baseline
▲ 0.50% · 4.625%
HK$45,107
+HK$2,259/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,696/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,087 · 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).