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$20,314
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,945
−HK$642/mo
Today · 4.125%
HK$21,587
baseline
▲ 0.50% · 4.625%
HK$22,901
+HK$1,314/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,174/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,599
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,205
−HK$615/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,075
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,640/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,376
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,135
−HK$770/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,481
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,118
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$738/mo
Today · 4.125%
HK$28,584
baseline
▲ 0.50% · 4.625%
HK$30,090
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,168/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,439
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,324
−HK$898/mo
Today · 4.125%
HK$30,222
baseline
▲ 0.50% · 4.625%
HK$32,061
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,444/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,638
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,487
−HK$861/mo
Today · 4.125%
HK$33,348
baseline
▲ 0.50% · 4.625%
HK$35,105
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,696/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,565
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,702
−HK$1,155/mo
Today · 4.125%
HK$38,857
baseline
▲ 0.50% · 4.625%
HK$41,222
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,714/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,678
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,769
−HK$1,106/mo
Today · 4.125%
HK$42,875
baseline
▲ 0.50% · 4.625%
HK$45,135
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,750/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,255 · 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).