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$20,291
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,922
−HK$642/mo
Today · 4.125%
HK$21,564
baseline
▲ 0.50% · 4.625%
HK$22,876
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,128/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,574
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,179
−HK$614/mo
Today · 4.125%
HK$23,793
baseline
▲ 0.50% · 4.625%
HK$25,047
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,586/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,349
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$769/mo
Today · 4.125%
HK$25,876
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,752/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,088
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,815
−HK$737/mo
Today · 4.125%
HK$28,552
baseline
▲ 0.50% · 4.625%
HK$30,057
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,104/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,408
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,291
−HK$898/mo
Today · 4.125%
HK$30,189
baseline
▲ 0.50% · 4.625%
HK$32,026
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,378/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,603
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,451
−HK$860/mo
Today · 4.125%
HK$33,311
baseline
▲ 0.50% · 4.625%
HK$35,066
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,622/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,524
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,660
−HK$1,154/mo
Today · 4.125%
HK$38,814
baseline
▲ 0.50% · 4.625%
HK$41,176
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,628/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,633
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,106/mo
Today · 4.125%
HK$42,828
baseline
▲ 0.50% · 4.625%
HK$45,085
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,656/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,959 · 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).