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$20,313
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,945
−HK$642/mo
Today · 4.125%
HK$21,587
baseline
▲ 0.50% · 4.625%
HK$22,900
+HK$1,313/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$267,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,598
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,204
−HK$615/mo
Today · 4.125%
HK$23,819
baseline
▲ 0.50% · 4.625%
HK$25,074
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,638/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,375
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,134
−HK$770/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,480
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,808/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,117
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,845
−HK$737/mo
Today · 4.125%
HK$28,582
baseline
▲ 0.50% · 4.625%
HK$30,089
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,164/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,438
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,322
−HK$899/mo
Today · 4.125%
HK$30,221
baseline
▲ 0.50% · 4.625%
HK$32,060
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,442/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,637
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,485
−HK$861/mo
Today · 4.125%
HK$33,346
baseline
▲ 0.50% · 4.625%
HK$35,104
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,692/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,563
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,700
−HK$1,156/mo
Today · 4.125%
HK$38,856
baseline
▲ 0.50% · 4.625%
HK$41,220
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,712/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,676
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,767
−HK$1,107/mo
Today · 4.125%
HK$42,874
baseline
▲ 0.50% · 4.625%
HK$45,134
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,748/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,244 · 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).