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$20,314
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,946
−HK$642/mo
Today · 4.125%
HK$21,588
baseline
▲ 0.50% · 4.625%
HK$22,901
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,176/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,599
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,205
−HK$615/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,076
+HK$1,256/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,640/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,377
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,135
−HK$770/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,577/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,119
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$738/mo
Today · 4.125%
HK$28,584
baseline
▲ 0.50% · 4.625%
HK$30,091
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,168/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,439
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,324
−HK$899/mo
Today · 4.125%
HK$30,223
baseline
▲ 0.50% · 4.625%
HK$32,062
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,446/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,639
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,487
−HK$861/mo
Today · 4.125%
HK$33,348
baseline
▲ 0.50% · 4.625%
HK$35,106
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,696/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,565
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,702
−HK$1,156/mo
Today · 4.125%
HK$38,858
baseline
▲ 0.50% · 4.625%
HK$41,222
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,716/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,678
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,769
−HK$1,107/mo
Today · 4.125%
HK$42,876
baseline
▲ 0.50% · 4.625%
HK$45,136
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,752/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,258 · 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).