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$20,300
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,931
−HK$642/mo
Today · 4.125%
HK$21,573
baseline
▲ 0.50% · 4.625%
HK$22,885
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,146/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,583
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,189
−HK$614/mo
Today · 4.125%
HK$23,803
baseline
▲ 0.50% · 4.625%
HK$25,058
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,606/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,359
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,117
−HK$770/mo
Today · 4.125%
HK$25,887
baseline
▲ 0.50% · 4.625%
HK$27,462
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,774/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,100
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,826
−HK$738/mo
Today · 4.125%
HK$28,564
baseline
▲ 0.50% · 4.625%
HK$30,069
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,128/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,419
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,303
−HK$899/mo
Today · 4.125%
HK$30,202
baseline
▲ 0.50% · 4.625%
HK$32,039
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,404/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,616
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,464
−HK$860/mo
Today · 4.125%
HK$33,324
baseline
▲ 0.50% · 4.625%
HK$35,081
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,648/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,539
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,676
−HK$1,155/mo
Today · 4.125%
HK$38,831
baseline
▲ 0.50% · 4.625%
HK$41,193
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,662/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,649
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,740
−HK$1,106/mo
Today · 4.125%
HK$42,846
baseline
▲ 0.50% · 4.625%
HK$45,104
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,692/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,070 · 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).