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$20,289
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,920
−HK$641/mo
Today · 4.125%
HK$21,561
baseline
▲ 0.50% · 4.625%
HK$22,873
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,122/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,571
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$614/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,044
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,346
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,104
−HK$769/mo
Today · 4.125%
HK$25,873
baseline
▲ 0.50% · 4.625%
HK$27,447
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,746/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,085
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,811
−HK$737/mo
Today · 4.125%
HK$28,548
baseline
▲ 0.50% · 4.625%
HK$30,053
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,096/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,404
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,287
−HK$898/mo
Today · 4.125%
HK$30,185
baseline
▲ 0.50% · 4.625%
HK$32,022
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,370/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,599
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,447
−HK$859/mo
Today · 4.125%
HK$33,306
baseline
▲ 0.50% · 4.625%
HK$35,062
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,612/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,519
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,655
−HK$1,154/mo
Today · 4.125%
HK$38,809
baseline
▲ 0.50% · 4.625%
HK$41,171
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,618/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,627
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,717
−HK$1,105/mo
Today · 4.125%
HK$42,822
baseline
▲ 0.50% · 4.625%
HK$45,080
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,644/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,925 · 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).