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$20,926
−HK$641/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$267,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,577
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,183
−HK$614/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$267,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,353
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,111
−HK$769/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$267,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,093
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$737/mo
Today · 4.125%
HK$28,556
baseline
▲ 0.50% · 4.625%
HK$30,062
+HK$1,506/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$267,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,412
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,296
−HK$898/mo
Today · 4.125%
HK$30,194
baseline
▲ 0.50% · 4.625%
HK$32,031
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,388/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,608
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,456
−HK$860/mo
Today · 4.125%
HK$33,316
baseline
▲ 0.50% · 4.625%
HK$35,072
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,632/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,530
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,666
−HK$1,155/mo
Today · 4.125%
HK$38,821
baseline
▲ 0.50% · 4.625%
HK$41,183
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,642/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,639
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,729
−HK$1,106/mo
Today · 4.125%
HK$42,835
baseline
▲ 0.50% · 4.625%
HK$45,092
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,670/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,001 · 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).