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$20,298
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,929
−HK$641/mo
Today · 4.125%
HK$21,570
baseline
▲ 0.50% · 4.625%
HK$22,883
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,140/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,581
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,186
−HK$615/mo
Today · 4.125%
HK$23,801
baseline
▲ 0.50% · 4.625%
HK$25,055
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,602/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,357
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,115
−HK$770/mo
Today · 4.125%
HK$25,885
baseline
▲ 0.50% · 4.625%
HK$27,460
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,770/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,097
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,824
−HK$737/mo
Today · 4.125%
HK$28,561
baseline
▲ 0.50% · 4.625%
HK$30,067
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,122/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,417
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,301
−HK$898/mo
Today · 4.125%
HK$30,199
baseline
▲ 0.50% · 4.625%
HK$32,036
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,398/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,613
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,461
−HK$860/mo
Today · 4.125%
HK$33,321
baseline
▲ 0.50% · 4.625%
HK$35,078
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,642/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,536
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,672
−HK$1,155/mo
Today · 4.125%
HK$38,827
baseline
▲ 0.50% · 4.625%
HK$41,189
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,654/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,646
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,736
−HK$1,106/mo
Today · 4.125%
HK$42,842
baseline
▲ 0.50% · 4.625%
HK$45,100
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,684/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,044 · 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).