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$20,287
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,918
−HK$641/mo
Today · 4.125%
HK$21,559
baseline
▲ 0.50% · 4.625%
HK$22,871
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,118/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,174
−HK$614/mo
Today · 4.125%
HK$23,788
baseline
▲ 0.50% · 4.625%
HK$25,042
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,576/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,344
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,101
−HK$770/mo
Today · 4.125%
HK$25,871
baseline
▲ 0.50% · 4.625%
HK$27,445
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,742/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,083
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,809
−HK$737/mo
Today · 4.125%
HK$28,546
baseline
▲ 0.50% · 4.625%
HK$30,051
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,092/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,402
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,285
−HK$898/mo
Today · 4.125%
HK$30,183
baseline
▲ 0.50% · 4.625%
HK$32,019
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,366/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,597
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$860/mo
Today · 4.125%
HK$33,304
baseline
▲ 0.50% · 4.625%
HK$35,059
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,608/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,516
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,652
−HK$1,154/mo
Today · 4.125%
HK$38,806
baseline
▲ 0.50% · 4.625%
HK$41,168
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,612/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,624
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,714
−HK$1,105/mo
Today · 4.125%
HK$42,819
baseline
▲ 0.50% · 4.625%
HK$45,076
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,638/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,903 · 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).