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$20,286
−HK$1,273/mo
▼ 0.25% · 3.875%
HK$20,918
−HK$641/mo
Today · 4.125%
HK$21,559
baseline
▲ 0.50% · 4.625%
HK$22,870
+HK$1,311/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,118/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,569
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,174
−HK$614/mo
Today · 4.125%
HK$23,788
baseline
▲ 0.50% · 4.625%
HK$25,042
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,576/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$266,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,344
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,101
−HK$769/mo
Today · 4.125%
HK$25,870
baseline
▲ 0.50% · 4.625%
HK$27,445
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,740/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,082
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,809
−HK$736/mo
Today · 4.125%
HK$28,545
baseline
▲ 0.50% · 4.625%
HK$30,050
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,090/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$266,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,401
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,285
−HK$897/mo
Today · 4.125%
HK$30,182
baseline
▲ 0.50% · 4.625%
HK$32,019
+HK$1,837/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,364/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,596
−HK$1,707/mo
▼ 0.25% · 3.875%
HK$32,443
−HK$860/mo
Today · 4.125%
HK$33,303
baseline
▲ 0.50% · 4.625%
HK$35,058
+HK$1,755/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,606/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,516
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,652
−HK$1,154/mo
Today · 4.125%
HK$38,806
baseline
▲ 0.50% · 4.625%
HK$41,167
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,612/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,623
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,713
−HK$1,105/mo
Today · 4.125%
HK$42,818
baseline
▲ 0.50% · 4.625%
HK$45,075
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,636/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,898 · 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).