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$20,305
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,936
−HK$642/mo
Today · 4.125%
HK$21,578
baseline
▲ 0.50% · 4.625%
HK$22,891
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,156/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,589
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,195
−HK$614/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$267,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,366
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,124
−HK$770/mo
Today · 4.125%
HK$25,894
baseline
▲ 0.50% · 4.625%
HK$27,469
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,788/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,107
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,834
−HK$737/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,077
+HK$1,506/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,427
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,311
−HK$898/mo
Today · 4.125%
HK$30,209
baseline
▲ 0.50% · 4.625%
HK$32,048
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,418/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,625
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,473
−HK$860/mo
Today · 4.125%
HK$33,333
baseline
▲ 0.50% · 4.625%
HK$35,090
+HK$1,757/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,666/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,549
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,686
−HK$1,155/mo
Today · 4.125%
HK$38,841
baseline
▲ 0.50% · 4.625%
HK$41,204
+HK$2,363/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,682/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,660
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,751
−HK$1,106/mo
Today · 4.125%
HK$42,857
baseline
▲ 0.50% · 4.625%
HK$45,116
+HK$2,259/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,714/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,140 · 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).