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$20,340
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$642/mo
Today · 4.125%
HK$21,615
baseline
▲ 0.50% · 4.625%
HK$22,931
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,230/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,628
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,235
−HK$616/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,108
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,167
−HK$772/mo
Today · 4.125%
HK$25,939
baseline
▲ 0.50% · 4.625%
HK$27,517
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,878/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,154
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,882
−HK$739/mo
Today · 4.125%
HK$28,621
baseline
▲ 0.50% · 4.625%
HK$30,129
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,242/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,476
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,362
−HK$900/mo
Today · 4.125%
HK$30,262
baseline
▲ 0.50% · 4.625%
HK$32,103
+HK$1,841/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,524/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,679
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$862/mo
Today · 4.125%
HK$33,391
baseline
▲ 0.50% · 4.625%
HK$35,151
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,782/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,612
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,751
−HK$1,157/mo
Today · 4.125%
HK$38,908
baseline
▲ 0.50% · 4.625%
HK$41,275
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,816/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,730
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,823
−HK$1,108/mo
Today · 4.125%
HK$42,931
baseline
▲ 0.50% · 4.625%
HK$45,194
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,862/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,602 · 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).