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$20,283
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$641/mo
Today · 4.125%
HK$21,555
baseline
▲ 0.50% · 4.625%
HK$22,866
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,110/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$614/mo
Today · 4.125%
HK$23,784
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,253/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,568/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,340
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,097
−HK$769/mo
Today · 4.125%
HK$25,866
baseline
▲ 0.50% · 4.625%
HK$27,440
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,732/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,077
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,804
−HK$736/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,045
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,396
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,279
−HK$898/mo
Today · 4.125%
HK$30,177
baseline
▲ 0.50% · 4.625%
HK$32,013
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,354/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,590
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,438
−HK$859/mo
Today · 4.125%
HK$33,297
baseline
▲ 0.50% · 4.625%
HK$35,052
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,594/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,509
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,645
−HK$1,154/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,616
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,705
−HK$1,106/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,067
+HK$2,256/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,851 · 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).