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$20,932
−HK$641/mo
Today · 4.125%
HK$21,573
baseline
▲ 0.50% · 4.625%
HK$22,886
+HK$1,313/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$267,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,584
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,189
−HK$615/mo
Today · 4.125%
HK$23,804
baseline
▲ 0.50% · 4.625%
HK$25,059
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,608/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,360
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,118
−HK$770/mo
Today · 4.125%
HK$25,888
baseline
▲ 0.50% · 4.625%
HK$27,463
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,776/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,100
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,827
−HK$738/mo
Today · 4.125%
HK$28,565
baseline
▲ 0.50% · 4.625%
HK$30,070
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,130/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,420
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,304
−HK$898/mo
Today · 4.125%
HK$30,202
baseline
▲ 0.50% · 4.625%
HK$32,040
+HK$1,838/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$267,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,617
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,465
−HK$860/mo
Today · 4.125%
HK$33,325
baseline
▲ 0.50% · 4.625%
HK$35,082
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,650/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,540
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,677
−HK$1,155/mo
Today · 4.125%
HK$38,832
baseline
▲ 0.50% · 4.625%
HK$41,194
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,664/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,651
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,741
−HK$1,106/mo
Today · 4.125%
HK$42,847
baseline
▲ 0.50% · 4.625%
HK$45,105
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,694/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,077 · 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).