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$20,304
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,936
−HK$641/mo
Today · 4.125%
HK$21,577
baseline
▲ 0.50% · 4.625%
HK$22,890
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,154/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,588
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,194
−HK$615/mo
Today · 4.125%
HK$23,809
baseline
▲ 0.50% · 4.625%
HK$25,064
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,618/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,365
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,123
−HK$770/mo
Today · 4.125%
HK$25,893
baseline
▲ 0.50% · 4.625%
HK$27,468
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,786/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,106
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,833
−HK$737/mo
Today · 4.125%
HK$28,570
baseline
▲ 0.50% · 4.625%
HK$30,076
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,140/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,426
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,310
−HK$898/mo
Today · 4.125%
HK$30,208
baseline
▲ 0.50% · 4.625%
HK$32,046
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,416/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,623
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,472
−HK$860/mo
Today · 4.125%
HK$33,332
baseline
▲ 0.50% · 4.625%
HK$35,089
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,664/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,547
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,684
−HK$1,155/mo
Today · 4.125%
HK$38,839
baseline
▲ 0.50% · 4.625%
HK$41,203
+HK$2,364/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,678/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,659
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,749
−HK$1,106/mo
Today · 4.125%
HK$42,855
baseline
▲ 0.50% · 4.625%
HK$45,114
+HK$2,259/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,710/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,130 · 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).