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$20,284
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,915
−HK$641/mo
Today · 4.125%
HK$21,556
baseline
▲ 0.50% · 4.625%
HK$22,868
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,112/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,566
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,171
−HK$614/mo
Today · 4.125%
HK$23,785
baseline
▲ 0.50% · 4.625%
HK$25,039
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,570/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,341
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,098
−HK$770/mo
Today · 4.125%
HK$25,868
baseline
▲ 0.50% · 4.625%
HK$27,442
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,736/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,079
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,806
−HK$736/mo
Today · 4.125%
HK$28,542
baseline
▲ 0.50% · 4.625%
HK$30,047
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,084/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,398
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,281
−HK$898/mo
Today · 4.125%
HK$30,179
baseline
▲ 0.50% · 4.625%
HK$32,015
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,358/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,593
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,440
−HK$859/mo
Today · 4.125%
HK$33,299
baseline
▲ 0.50% · 4.625%
HK$35,055
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,598/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,512
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,648
−HK$1,153/mo
Today · 4.125%
HK$38,801
baseline
▲ 0.50% · 4.625%
HK$41,162
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,602/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,619
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,708
−HK$1,106/mo
Today · 4.125%
HK$42,814
baseline
▲ 0.50% · 4.625%
HK$45,070
+HK$2,256/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,628/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,869 · 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).