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$20,324
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$642/mo
Today · 4.125%
HK$21,598
baseline
▲ 0.50% · 4.625%
HK$22,912
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,196/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,610
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,216
−HK$615/mo
Today · 4.125%
HK$23,831
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,662/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,388
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,147
−HK$771/mo
Today · 4.125%
HK$25,918
baseline
▲ 0.50% · 4.625%
HK$27,495
+HK$1,577/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,836/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,132
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,860
−HK$738/mo
Today · 4.125%
HK$28,598
baseline
▲ 0.50% · 4.625%
HK$30,105
+HK$1,507/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,196/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,453
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,338
−HK$899/mo
Today · 4.125%
HK$30,237
baseline
▲ 0.50% · 4.625%
HK$32,077
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,474/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,654
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,503
−HK$861/mo
Today · 4.125%
HK$33,364
baseline
▲ 0.50% · 4.625%
HK$35,123
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,728/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,583
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,721
−HK$1,156/mo
Today · 4.125%
HK$38,877
baseline
▲ 0.50% · 4.625%
HK$41,242
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,754/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,698
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,789
−HK$1,108/mo
Today · 4.125%
HK$42,897
baseline
▲ 0.50% · 4.625%
HK$45,158
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,794/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,387 · 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).