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$20,282
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,913
−HK$641/mo
Today · 4.125%
HK$21,554
baseline
▲ 0.50% · 4.625%
HK$22,866
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,108/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,564
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,169
−HK$614/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,566/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,339
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,096
−HK$769/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,439
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,077
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,803
−HK$737/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,044
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,395
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,279
−HK$897/mo
Today · 4.125%
HK$30,176
baseline
▲ 0.50% · 4.625%
HK$32,012
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,352/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,590
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,437
−HK$859/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,051
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,508
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,644
−HK$1,154/mo
Today · 4.125%
HK$38,798
baseline
▲ 0.50% · 4.625%
HK$41,159
+HK$2,361/mo
Deposit HK$889K · loan HK$8.01M · min. income ≈ HK$77,596/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,615
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,705
−HK$1,105/mo
Today · 4.125%
HK$42,810
baseline
▲ 0.50% · 4.625%
HK$45,066
+HK$2,256/mo
Deposit HK$889K · loan HK$8.01M · min. income ≈ HK$85,620/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,845 · 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).