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$20,302
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,933
−HK$642/mo
Today · 4.125%
HK$21,575
baseline
▲ 0.50% · 4.625%
HK$22,888
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,150/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,585
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,191
−HK$615/mo
Today · 4.125%
HK$23,806
baseline
▲ 0.50% · 4.625%
HK$25,061
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,612/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,362
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,120
−HK$770/mo
Today · 4.125%
HK$25,890
baseline
▲ 0.50% · 4.625%
HK$27,465
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,780/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,103
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,829
−HK$738/mo
Today · 4.125%
HK$28,567
baseline
▲ 0.50% · 4.625%
HK$30,073
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,134/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,422
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,307
−HK$898/mo
Today · 4.125%
HK$30,205
baseline
▲ 0.50% · 4.625%
HK$32,043
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,410/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,620
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,468
−HK$860/mo
Today · 4.125%
HK$33,328
baseline
▲ 0.50% · 4.625%
HK$35,085
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,656/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,543
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,680
−HK$1,155/mo
Today · 4.125%
HK$38,835
baseline
▲ 0.50% · 4.625%
HK$41,198
+HK$2,363/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,670/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,654
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,744
−HK$1,106/mo
Today · 4.125%
HK$42,850
baseline
▲ 0.50% · 4.625%
HK$45,109
+HK$2,259/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,700/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,099 · 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).