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$20,309
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,941
−HK$642/mo
Today · 4.125%
HK$21,583
baseline
▲ 0.50% · 4.625%
HK$22,896
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,166/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,594
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,200
−HK$614/mo
Today · 4.125%
HK$23,814
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,256/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,628/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,371
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$770/mo
Today · 4.125%
HK$25,899
baseline
▲ 0.50% · 4.625%
HK$27,475
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,798/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,112
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,840
−HK$737/mo
Today · 4.125%
HK$28,577
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,154/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,433
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,317
−HK$899/mo
Today · 4.125%
HK$30,216
baseline
▲ 0.50% · 4.625%
HK$32,054
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,432/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,631
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,479
−HK$861/mo
Today · 4.125%
HK$33,340
baseline
▲ 0.50% · 4.625%
HK$35,097
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,680/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,556
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,693
−HK$1,156/mo
Today · 4.125%
HK$38,849
baseline
▲ 0.50% · 4.625%
HK$41,213
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,698/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,669
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,759
−HK$1,107/mo
Today · 4.125%
HK$42,866
baseline
▲ 0.50% · 4.625%
HK$45,125
+HK$2,259/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,732/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,195 · 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).