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$20,316
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,948
−HK$642/mo
Today · 4.125%
HK$21,590
baseline
▲ 0.50% · 4.625%
HK$22,904
+HK$1,314/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,180/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,601
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,207
−HK$615/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,078
+HK$1,256/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,379
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,137
−HK$771/mo
Today · 4.125%
HK$25,908
baseline
▲ 0.50% · 4.625%
HK$27,484
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,816/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,121
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,849
−HK$738/mo
Today · 4.125%
HK$28,587
baseline
▲ 0.50% · 4.625%
HK$30,094
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,174/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,442
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,327
−HK$899/mo
Today · 4.125%
HK$30,226
baseline
▲ 0.50% · 4.625%
HK$32,065
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,452/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,642
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,490
−HK$861/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,109
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,569
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,706
−HK$1,156/mo
Today · 4.125%
HK$38,862
baseline
▲ 0.50% · 4.625%
HK$41,226
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,724/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,682
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,773
−HK$1,107/mo
Today · 4.125%
HK$42,880
baseline
▲ 0.50% · 4.625%
HK$45,140
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,760/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,284 · 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).