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$20,345
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,978
−HK$643/mo
Today · 4.125%
HK$21,621
baseline
▲ 0.50% · 4.625%
HK$22,936
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,242/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,633
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,240
−HK$616/mo
Today · 4.125%
HK$23,856
baseline
▲ 0.50% · 4.625%
HK$25,114
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,712/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,414
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,173
−HK$772/mo
Today · 4.125%
HK$25,945
baseline
▲ 0.50% · 4.625%
HK$27,523
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,890/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,160
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,889
−HK$739/mo
Today · 4.125%
HK$28,628
baseline
▲ 0.50% · 4.625%
HK$30,137
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,256/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,483
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,369
−HK$900/mo
Today · 4.125%
HK$30,269
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,538/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,687
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,537
−HK$862/mo
Today · 4.125%
HK$33,399
baseline
▲ 0.50% · 4.625%
HK$35,159
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,798/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,621
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,760
−HK$1,157/mo
Today · 4.125%
HK$38,917
baseline
▲ 0.50% · 4.625%
HK$41,285
+HK$2,368/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,834/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,740
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,833
−HK$1,108/mo
Today · 4.125%
HK$42,941
baseline
▲ 0.50% · 4.625%
HK$45,205
+HK$2,264/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,882/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,666 · 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).