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$20,292
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,923
−HK$641/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$266,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,574
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,180
−HK$614/mo
Today · 4.125%
HK$23,794
baseline
▲ 0.50% · 4.625%
HK$25,048
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,588/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,350
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$769/mo
Today · 4.125%
HK$25,877
baseline
▲ 0.50% · 4.625%
HK$27,452
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,754/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,089
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,816
−HK$737/mo
Today · 4.125%
HK$28,553
baseline
▲ 0.50% · 4.625%
HK$30,058
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,106/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,408
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,292
−HK$898/mo
Today · 4.125%
HK$30,190
baseline
▲ 0.50% · 4.625%
HK$32,027
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,380/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,604
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,452
−HK$860/mo
Today · 4.125%
HK$33,312
baseline
▲ 0.50% · 4.625%
HK$35,068
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,624/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,525
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,661
−HK$1,155/mo
Today · 4.125%
HK$38,816
baseline
▲ 0.50% · 4.625%
HK$41,177
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,632/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,634
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,724
−HK$1,105/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,087
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,967 · 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).