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$20,312
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,944
−HK$642/mo
Today · 4.125%
HK$21,586
baseline
▲ 0.50% · 4.625%
HK$22,899
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,172/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,597
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,203
−HK$615/mo
Today · 4.125%
HK$23,818
baseline
▲ 0.50% · 4.625%
HK$25,073
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,636/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,375
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,133
−HK$770/mo
Today · 4.125%
HK$25,903
baseline
▲ 0.50% · 4.625%
HK$27,479
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,806/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,117
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,844
−HK$738/mo
Today · 4.125%
HK$28,582
baseline
▲ 0.50% · 4.625%
HK$30,088
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,164/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,437
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,322
−HK$898/mo
Today · 4.125%
HK$30,220
baseline
▲ 0.50% · 4.625%
HK$32,059
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,440/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,636
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,484
−HK$861/mo
Today · 4.125%
HK$33,345
baseline
▲ 0.50% · 4.625%
HK$35,103
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,690/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,562
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,699
−HK$1,156/mo
Today · 4.125%
HK$38,855
baseline
▲ 0.50% · 4.625%
HK$41,219
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,710/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,675
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,766
−HK$1,106/mo
Today · 4.125%
HK$42,872
baseline
▲ 0.50% · 4.625%
HK$45,132
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,744/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,236 · 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).