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$20,360
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,993
−HK$644/mo
Today · 4.125%
HK$21,637
baseline
▲ 0.50% · 4.625%
HK$22,953
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,274/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,650
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$616/mo
Today · 4.125%
HK$23,874
baseline
▲ 0.50% · 4.625%
HK$25,132
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,748/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,432
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,192
−HK$772/mo
Today · 4.125%
HK$25,964
baseline
▲ 0.50% · 4.625%
HK$27,544
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,928/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,180
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$740/mo
Today · 4.125%
HK$28,649
baseline
▲ 0.50% · 4.625%
HK$30,159
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,298/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,504
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,391
−HK$900/mo
Today · 4.125%
HK$30,291
baseline
▲ 0.50% · 4.625%
HK$32,135
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,582/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,710
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,561
−HK$863/mo
Today · 4.125%
HK$33,424
baseline
▲ 0.50% · 4.625%
HK$35,185
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,848/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,648
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,788
−HK$1,158/mo
Today · 4.125%
HK$38,946
baseline
▲ 0.50% · 4.625%
HK$41,316
+HK$2,370/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,892/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,770
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,864
−HK$1,109/mo
Today · 4.125%
HK$42,973
baseline
▲ 0.50% · 4.625%
HK$45,238
+HK$2,265/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,946/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,865 · 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).