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$1,273/mo
▼ 0.25% · 3.875%
HK$20,938
−HK$642/mo
Today · 4.125%
HK$21,580
baseline
▲ 0.50% · 4.625%
HK$22,893
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,160/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,164 · 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$267,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,368
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$770/mo
Today · 4.125%
HK$25,896
baseline
▲ 0.50% · 4.625%
HK$27,472
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,792/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,109
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,836
−HK$738/mo
Today · 4.125%
HK$28,574
baseline
▲ 0.50% · 4.625%
HK$30,080
+HK$1,506/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$267,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,429
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,314
−HK$898/mo
Today · 4.125%
HK$30,212
baseline
▲ 0.50% · 4.625%
HK$32,050
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,424/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,627
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,476
−HK$860/mo
Today · 4.125%
HK$33,336
baseline
▲ 0.50% · 4.625%
HK$35,093
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,672/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,552
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,689
−HK$1,155/mo
Today · 4.125%
HK$38,844
baseline
▲ 0.50% · 4.625%
HK$41,208
+HK$2,364/mo
Deposit HK$891K · loan HK$8.01M · min. income ≈ HK$77,688/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,664
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,754
−HK$1,107/mo
Today · 4.125%
HK$42,861
baseline
▲ 0.50% · 4.625%
HK$45,120
+HK$2,259/mo
Deposit HK$891K · loan HK$8.01M · min. income ≈ HK$85,722/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,164 · 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).