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$20,294
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,925
−HK$642/mo
Today · 4.125%
HK$21,567
baseline
▲ 0.50% · 4.625%
HK$22,879
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,134/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,577
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,182
−HK$615/mo
Today · 4.125%
HK$23,797
baseline
▲ 0.50% · 4.625%
HK$25,051
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,594/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,353
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$770/mo
Today · 4.125%
HK$25,880
baseline
▲ 0.50% · 4.625%
HK$27,455
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,760/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,092
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$737/mo
Today · 4.125%
HK$28,556
baseline
▲ 0.50% · 4.625%
HK$30,061
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,112/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,412
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,295
−HK$898/mo
Today · 4.125%
HK$30,193
baseline
▲ 0.50% · 4.625%
HK$32,031
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,386/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,608
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,455
−HK$860/mo
Today · 4.125%
HK$33,315
baseline
▲ 0.50% · 4.625%
HK$35,071
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,630/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,529
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,666
−HK$1,154/mo
Today · 4.125%
HK$38,820
baseline
▲ 0.50% · 4.625%
HK$41,182
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,640/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,638
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,728
−HK$1,106/mo
Today · 4.125%
HK$42,834
baseline
▲ 0.50% · 4.625%
HK$45,092
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,668/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,997 · 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).