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$20,306
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,937
−HK$642/mo
Today · 4.125%
HK$21,579
baseline
▲ 0.50% · 4.625%
HK$22,892
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,158/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,590
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,196
−HK$614/mo
Today · 4.125%
HK$23,810
baseline
▲ 0.50% · 4.625%
HK$25,065
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,620/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,367
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,125
−HK$770/mo
Today · 4.125%
HK$25,895
baseline
▲ 0.50% · 4.625%
HK$27,470
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,790/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,108
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,835
−HK$737/mo
Today · 4.125%
HK$28,572
baseline
▲ 0.50% · 4.625%
HK$30,078
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,144/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,428
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,312
−HK$899/mo
Today · 4.125%
HK$30,211
baseline
▲ 0.50% · 4.625%
HK$32,049
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,422/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,626
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,474
−HK$860/mo
Today · 4.125%
HK$33,334
baseline
▲ 0.50% · 4.625%
HK$35,091
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,668/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,550
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,687
−HK$1,155/mo
Today · 4.125%
HK$38,842
baseline
▲ 0.50% · 4.625%
HK$41,206
+HK$2,364/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,684/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,662
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,752
−HK$1,106/mo
Today · 4.125%
HK$42,858
baseline
▲ 0.50% · 4.625%
HK$45,118
+HK$2,260/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,716/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,150 · 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).