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$20,288
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,919
−HK$641/mo
Today · 4.125%
HK$21,560
baseline
▲ 0.50% · 4.625%
HK$22,872
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,120/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,570
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,175
−HK$614/mo
Today · 4.125%
HK$23,789
baseline
▲ 0.50% · 4.625%
HK$25,043
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,578/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,345
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,102
−HK$770/mo
Today · 4.125%
HK$25,872
baseline
▲ 0.50% · 4.625%
HK$27,446
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,744/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,084
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,810
−HK$737/mo
Today · 4.125%
HK$28,547
baseline
▲ 0.50% · 4.625%
HK$30,052
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,094/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,403
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,286
−HK$898/mo
Today · 4.125%
HK$30,184
baseline
▲ 0.50% · 4.625%
HK$32,020
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,368/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,598
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,445
−HK$860/mo
Today · 4.125%
HK$33,305
baseline
▲ 0.50% · 4.625%
HK$35,060
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,610/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,518
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,654
−HK$1,154/mo
Today · 4.125%
HK$38,808
baseline
▲ 0.50% · 4.625%
HK$41,169
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,616/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,626
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,715
−HK$1,106/mo
Today · 4.125%
HK$42,821
baseline
▲ 0.50% · 4.625%
HK$45,078
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,642/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,913 · 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).