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$20,307
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,939
−HK$642/mo
Today · 4.125%
HK$21,581
baseline
▲ 0.50% · 4.625%
HK$22,894
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,162/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,591
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,197
−HK$615/mo
Today · 4.125%
HK$23,812
baseline
▲ 0.50% · 4.625%
HK$25,067
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,624/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,368
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$771/mo
Today · 4.125%
HK$25,897
baseline
▲ 0.50% · 4.625%
HK$27,472
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,794/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,110
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,837
−HK$737/mo
Today · 4.125%
HK$28,574
baseline
▲ 0.50% · 4.625%
HK$30,081
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,148/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,430
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,314
−HK$899/mo
Today · 4.125%
HK$30,213
baseline
▲ 0.50% · 4.625%
HK$32,051
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,426/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,628
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,476
−HK$861/mo
Today · 4.125%
HK$33,337
baseline
▲ 0.50% · 4.625%
HK$35,094
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,674/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,553
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$1,155/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$41,209
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,690/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,665
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,755
−HK$1,107/mo
Today · 4.125%
HK$42,862
baseline
▲ 0.50% · 4.625%
HK$45,121
+HK$2,259/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,724/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,169 · 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).