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$20,295
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,926
−HK$641/mo
Today · 4.125%
HK$21,567
baseline
▲ 0.50% · 4.625%
HK$22,880
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,134/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,578
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,183
−HK$614/mo
Today · 4.125%
HK$23,797
baseline
▲ 0.50% · 4.625%
HK$25,052
+HK$1,255/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,594/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,354
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,111
−HK$770/mo
Today · 4.125%
HK$25,881
baseline
▲ 0.50% · 4.625%
HK$27,455
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,762/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,093
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,820
−HK$737/mo
Today · 4.125%
HK$28,557
baseline
▲ 0.50% · 4.625%
HK$30,062
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,114/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,412
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,296
−HK$898/mo
Today · 4.125%
HK$30,194
baseline
▲ 0.50% · 4.625%
HK$32,031
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,388/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,609
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,456
−HK$860/mo
Today · 4.125%
HK$33,316
baseline
▲ 0.50% · 4.625%
HK$35,072
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,632/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,530
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,667
−HK$1,154/mo
Today · 4.125%
HK$38,821
baseline
▲ 0.50% · 4.625%
HK$41,183
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,642/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,640
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,729
−HK$1,106/mo
Today · 4.125%
HK$42,835
baseline
▲ 0.50% · 4.625%
HK$45,093
+HK$2,258/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,670/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,005 · 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).