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$20,309
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,940
−HK$642/mo
Today · 4.125%
HK$21,582
baseline
▲ 0.50% · 4.625%
HK$22,895
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,164/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,593
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,199
−HK$615/mo
Today · 4.125%
HK$23,814
baseline
▲ 0.50% · 4.625%
HK$25,069
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,628/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,370
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,128
−HK$771/mo
Today · 4.125%
HK$25,899
baseline
▲ 0.50% · 4.625%
HK$27,474
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,798/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,112
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,839
−HK$737/mo
Today · 4.125%
HK$28,576
baseline
▲ 0.50% · 4.625%
HK$30,083
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,152/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,432
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,316
−HK$899/mo
Today · 4.125%
HK$30,215
baseline
▲ 0.50% · 4.625%
HK$32,053
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,430/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,630
−HK$1,709/mo
▼ 0.25% · 3.875%
HK$32,479
−HK$860/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,097
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,555
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,693
−HK$1,155/mo
Today · 4.125%
HK$38,848
baseline
▲ 0.50% · 4.625%
HK$41,212
+HK$2,364/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,696/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,668
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,758
−HK$1,107/mo
Today · 4.125%
HK$42,865
baseline
▲ 0.50% · 4.625%
HK$45,124
+HK$2,259/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,730/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,188 · 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).