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$20,283
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,914
−HK$641/mo
Today · 4.125%
HK$21,555
baseline
▲ 0.50% · 4.625%
HK$22,867
+HK$1,312/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,110/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,565
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$614/mo
Today · 4.125%
HK$23,784
baseline
▲ 0.50% · 4.625%
HK$25,038
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,568/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$266,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,340
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,097
−HK$769/mo
Today · 4.125%
HK$25,866
baseline
▲ 0.50% · 4.625%
HK$27,440
+HK$1,574/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,732/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,078
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,804
−HK$737/mo
Today · 4.125%
HK$28,541
baseline
▲ 0.50% · 4.625%
HK$30,045
+HK$1,504/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,082/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$266,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,396
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$29,280
−HK$897/mo
Today · 4.125%
HK$30,177
baseline
▲ 0.50% · 4.625%
HK$32,013
+HK$1,836/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,354/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,591
−HK$1,706/mo
▼ 0.25% · 3.875%
HK$32,438
−HK$859/mo
Today · 4.125%
HK$33,297
baseline
▲ 0.50% · 4.625%
HK$35,053
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,594/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$266,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,510
−HK$2,289/mo
▼ 0.25% · 3.875%
HK$37,645
−HK$1,154/mo
Today · 4.125%
HK$38,799
baseline
▲ 0.50% · 4.625%
HK$41,160
+HK$2,361/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,598/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,617
−HK$2,194/mo
▼ 0.25% · 3.875%
HK$41,706
−HK$1,105/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,068
+HK$2,257/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$266,854 · 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).