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$20,286
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,917
−HK$641/mo
Today · 4.125%
HK$21,558
baseline
▲ 0.50% · 4.625%
HK$22,869
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,116/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,568
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,173
−HK$614/mo
Today · 4.125%
HK$23,787
baseline
▲ 0.50% · 4.625%
HK$25,041
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,574/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,343
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,100
−HK$769/mo
Today · 4.125%
HK$25,869
baseline
▲ 0.50% · 4.625%
HK$27,443
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,738/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,081
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,807
−HK$737/mo
Today · 4.125%
HK$28,544
baseline
▲ 0.50% · 4.625%
HK$30,049
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,088/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,400
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,283
−HK$898/mo
Today · 4.125%
HK$30,181
baseline
▲ 0.50% · 4.625%
HK$32,017
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,362/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,595
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,442
−HK$859/mo
Today · 4.125%
HK$33,301
baseline
▲ 0.50% · 4.625%
HK$35,057
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,602/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,514
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,650
−HK$1,154/mo
Today · 4.125%
HK$38,804
baseline
▲ 0.50% · 4.625%
HK$41,165
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,608/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,622
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,711
−HK$1,105/mo
Today · 4.125%
HK$42,816
baseline
▲ 0.50% · 4.625%
HK$45,073
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,632/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,886 · 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).