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$20,297
−HK$1,272/mo
▼ 0.25% · 3.875%
HK$20,928
−HK$641/mo
Today · 4.125%
HK$21,569
baseline
▲ 0.50% · 4.625%
HK$22,882
+HK$1,313/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$43,138/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,580
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$23,185
−HK$615/mo
Today · 4.125%
HK$23,800
baseline
▲ 0.50% · 4.625%
HK$25,054
+HK$1,254/mo
Deposit HK$4.45M · loan HK$4.45M · min. income ≈ HK$47,600/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,356
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,114
−HK$769/mo
Today · 4.125%
HK$25,883
baseline
▲ 0.50% · 4.625%
HK$27,458
+HK$1,575/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$51,766/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,096
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,822
−HK$738/mo
Today · 4.125%
HK$28,560
baseline
▲ 0.50% · 4.625%
HK$30,065
+HK$1,505/mo
Deposit HK$3.56M · loan HK$5.34M · min. income ≈ HK$57,120/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,415
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$29,299
−HK$898/mo
Today · 4.125%
HK$30,197
baseline
▲ 0.50% · 4.625%
HK$32,035
+HK$1,838/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$60,394/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,612
−HK$1,708/mo
▼ 0.25% · 3.875%
HK$32,459
−HK$861/mo
Today · 4.125%
HK$33,320
baseline
▲ 0.50% · 4.625%
HK$35,076
+HK$1,756/mo
Deposit HK$2.67M · loan HK$6.23M · min. income ≈ HK$66,640/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,534
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,670
−HK$1,155/mo
Today · 4.125%
HK$38,825
baseline
▲ 0.50% · 4.625%
HK$41,187
+HK$2,362/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$77,650/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,644
−HK$2,195/mo
▼ 0.25% · 3.875%
HK$41,734
−HK$1,105/mo
Today · 4.125%
HK$42,839
baseline
▲ 0.50% · 4.625%
HK$45,098
+HK$2,259/mo
Deposit HK$890K · loan HK$8.01M · min. income ≈ HK$85,678/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,031 · 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).