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$20,351
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,984
−HK$644/mo
Today · 4.125%
HK$21,628
baseline
▲ 0.50% · 4.625%
HK$22,944
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,256/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,641
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,248
−HK$616/mo
Today · 4.125%
HK$23,864
baseline
▲ 0.50% · 4.625%
HK$25,122
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,728/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,422
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,181
−HK$772/mo
Today · 4.125%
HK$25,953
baseline
▲ 0.50% · 4.625%
HK$27,532
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,906/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,169
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,897
−HK$740/mo
Today · 4.125%
HK$28,637
baseline
▲ 0.50% · 4.625%
HK$30,146
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,274/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,492
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,378
−HK$901/mo
Today · 4.125%
HK$30,279
baseline
▲ 0.50% · 4.625%
HK$32,121
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,558/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,697
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,547
−HK$862/mo
Today · 4.125%
HK$33,409
baseline
▲ 0.50% · 4.625%
HK$35,170
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,818/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,632
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,772
−HK$1,158/mo
Today · 4.125%
HK$38,930
baseline
▲ 0.50% · 4.625%
HK$41,298
+HK$2,368/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$77,860/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,753
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,846
−HK$1,109/mo
Today · 4.125%
HK$42,955
baseline
▲ 0.50% · 4.625%
HK$45,219
+HK$2,264/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$85,910/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,751 · 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).