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$20,318
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,950
−HK$642/mo
Today · 4.125%
HK$21,592
baseline
▲ 0.50% · 4.625%
HK$22,906
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,184/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,604
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,210
−HK$615/mo
Today · 4.125%
HK$23,825
baseline
▲ 0.50% · 4.625%
HK$25,081
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,650/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,382
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,140
−HK$771/mo
Today · 4.125%
HK$25,911
baseline
▲ 0.50% · 4.625%
HK$27,487
+HK$1,576/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,822/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,125
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,852
−HK$738/mo
Today · 4.125%
HK$28,590
baseline
▲ 0.50% · 4.625%
HK$30,097
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,180/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,446
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$29,330
−HK$899/mo
Today · 4.125%
HK$30,229
baseline
▲ 0.50% · 4.625%
HK$32,069
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,458/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,645
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,494
−HK$861/mo
Today · 4.125%
HK$33,355
baseline
▲ 0.50% · 4.625%
HK$35,113
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,710/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,573
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,710
−HK$1,156/mo
Today · 4.125%
HK$38,866
baseline
▲ 0.50% · 4.625%
HK$41,231
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,732/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,687
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,778
−HK$1,107/mo
Today · 4.125%
HK$42,885
baseline
▲ 0.50% · 4.625%
HK$45,146
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,770/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,316 · 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).