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$20,348
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,980
−HK$644/mo
Today · 4.125%
HK$21,624
baseline
▲ 0.50% · 4.625%
HK$22,939
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,248/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,636
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,244
−HK$615/mo
Today · 4.125%
HK$23,859
baseline
▲ 0.50% · 4.625%
HK$25,117
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,718/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,417
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,177
−HK$771/mo
Today · 4.125%
HK$25,948
baseline
▲ 0.50% · 4.625%
HK$27,527
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,896/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,164
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$739/mo
Today · 4.125%
HK$28,631
baseline
▲ 0.50% · 4.625%
HK$30,141
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,262/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,487
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,373
−HK$900/mo
Today · 4.125%
HK$30,273
baseline
▲ 0.50% · 4.625%
HK$32,115
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,546/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,691
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,541
−HK$862/mo
Today · 4.125%
HK$33,403
baseline
▲ 0.50% · 4.625%
HK$35,164
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,806/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,626
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,765
−HK$1,157/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$41,291
+HK$2,369/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,746
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,838
−HK$1,109/mo
Today · 4.125%
HK$42,947
baseline
▲ 0.50% · 4.625%
HK$45,211
+HK$2,264/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,894/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,701 · 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).