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$20,311
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,942
−HK$642/mo
Today · 4.125%
HK$21,584
baseline
▲ 0.50% · 4.625%
HK$22,898
+HK$1,314/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,168/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,595
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,201
−HK$615/mo
Today · 4.125%
HK$23,816
baseline
▲ 0.50% · 4.625%
HK$25,071
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,632/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$770/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,114
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,842
−HK$737/mo
Today · 4.125%
HK$28,579
baseline
▲ 0.50% · 4.625%
HK$30,086
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,158/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,435
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,319
−HK$899/mo
Today · 4.125%
HK$30,218
baseline
▲ 0.50% · 4.625%
HK$32,057
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,436/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,633
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,482
−HK$860/mo
Today · 4.125%
HK$33,342
baseline
▲ 0.50% · 4.625%
HK$35,100
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,684/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,559
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,696
−HK$1,156/mo
Today · 4.125%
HK$38,852
baseline
▲ 0.50% · 4.625%
HK$41,216
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,704/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,672
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,762
−HK$1,107/mo
Today · 4.125%
HK$42,869
baseline
▲ 0.50% · 4.625%
HK$45,129
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,738/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,215 · 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).