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$20,303
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,934
−HK$642/mo
Today · 4.125%
HK$21,576
baseline
▲ 0.50% · 4.625%
HK$22,889
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,152/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,587
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,193
−HK$614/mo
Today · 4.125%
HK$23,807
baseline
▲ 0.50% · 4.625%
HK$25,062
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,614/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,363
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,121
−HK$770/mo
Today · 4.125%
HK$25,891
baseline
▲ 0.50% · 4.625%
HK$27,467
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,782/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,104
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,831
−HK$737/mo
Today · 4.125%
HK$28,568
baseline
▲ 0.50% · 4.625%
HK$30,074
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,136/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,424
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,308
−HK$898/mo
Today · 4.125%
HK$30,206
baseline
▲ 0.50% · 4.625%
HK$32,044
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,412/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,621
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,470
−HK$860/mo
Today · 4.125%
HK$33,330
baseline
▲ 0.50% · 4.625%
HK$35,087
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,660/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,545
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,682
−HK$1,155/mo
Today · 4.125%
HK$38,837
baseline
▲ 0.50% · 4.625%
HK$41,200
+HK$2,363/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,674/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,656
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,747
−HK$1,106/mo
Today · 4.125%
HK$42,853
baseline
▲ 0.50% · 4.625%
HK$45,112
+HK$2,259/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,706/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,114 · 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).