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$20,311
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,943
−HK$642/mo
Today · 4.125%
HK$21,585
baseline
▲ 0.50% · 4.625%
HK$22,898
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,170/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,596
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,202
−HK$615/mo
Today · 4.125%
HK$23,817
baseline
▲ 0.50% · 4.625%
HK$25,072
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,634/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,373
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$771/mo
Today · 4.125%
HK$25,902
baseline
▲ 0.50% · 4.625%
HK$27,478
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,804/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,115
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,842
−HK$738/mo
Today · 4.125%
HK$28,580
baseline
▲ 0.50% · 4.625%
HK$30,087
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,160/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,436
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,320
−HK$899/mo
Today · 4.125%
HK$30,219
baseline
▲ 0.50% · 4.625%
HK$32,057
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,438/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,634
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,483
−HK$860/mo
Today · 4.125%
HK$33,343
baseline
▲ 0.50% · 4.625%
HK$35,101
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,686/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,560
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,697
−HK$1,156/mo
Today · 4.125%
HK$38,853
baseline
▲ 0.50% · 4.625%
HK$41,217
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,706/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,673
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,763
−HK$1,107/mo
Today · 4.125%
HK$42,870
baseline
▲ 0.50% · 4.625%
HK$45,130
+HK$2,260/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,740/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,222 · 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).