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$20,304
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,935
−HK$642/mo
Today · 4.125%
HK$21,577
baseline
▲ 0.50% · 4.625%
HK$22,890
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,154/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,588
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,193
−HK$615/mo
Today · 4.125%
HK$23,808
baseline
▲ 0.50% · 4.625%
HK$25,063
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,616/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,364
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,122
−HK$770/mo
Today · 4.125%
HK$25,892
baseline
▲ 0.50% · 4.625%
HK$27,468
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,784/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,105
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,832
−HK$738/mo
Today · 4.125%
HK$28,570
baseline
▲ 0.50% · 4.625%
HK$30,076
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,140/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,425
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,309
−HK$899/mo
Today · 4.125%
HK$30,208
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,416/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,623
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,471
−HK$860/mo
Today · 4.125%
HK$33,331
baseline
▲ 0.50% · 4.625%
HK$35,088
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,662/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,547
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,683
−HK$1,155/mo
Today · 4.125%
HK$38,838
baseline
▲ 0.50% · 4.625%
HK$41,202
+HK$2,364/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,676/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,658
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,748
−HK$1,106/mo
Today · 4.125%
HK$42,854
baseline
▲ 0.50% · 4.625%
HK$45,113
+HK$2,259/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,708/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,125 · 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).