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$20,341
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,974
−HK$642/mo
Today · 4.125%
HK$21,616
baseline
▲ 0.50% · 4.625%
HK$22,932
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,232/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,629
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,236
−HK$615/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,109
+HK$1,258/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$267,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,409
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,168
−HK$772/mo
Today · 4.125%
HK$25,940
baseline
▲ 0.50% · 4.625%
HK$27,518
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,880/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,155
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,883
−HK$739/mo
Today · 4.125%
HK$28,622
baseline
▲ 0.50% · 4.625%
HK$30,130
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,244/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,477
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,363
−HK$900/mo
Today · 4.125%
HK$30,263
baseline
▲ 0.50% · 4.625%
HK$32,104
+HK$1,841/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,526/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,680
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,530
−HK$862/mo
Today · 4.125%
HK$33,392
baseline
▲ 0.50% · 4.625%
HK$35,152
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,784/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,613
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,157/mo
Today · 4.125%
HK$38,909
baseline
▲ 0.50% · 4.625%
HK$41,277
+HK$2,368/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,818/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,732
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,824
−HK$1,109/mo
Today · 4.125%
HK$42,933
baseline
▲ 0.50% · 4.625%
HK$45,196
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,866/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,612 · 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).