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$20,344
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$643/mo
Today · 4.125%
HK$21,620
baseline
▲ 0.50% · 4.625%
HK$22,936
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,240/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,660 · 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$25,113
+HK$1,257/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$267,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,413
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,173
−HK$771/mo
Today · 4.125%
HK$25,944
baseline
▲ 0.50% · 4.625%
HK$27,523
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,888/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,160
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,888
−HK$739/mo
Today · 4.125%
HK$28,627
baseline
▲ 0.50% · 4.625%
HK$30,136
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,254/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,482
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,368
−HK$900/mo
Today · 4.125%
HK$30,268
baseline
▲ 0.50% · 4.625%
HK$32,110
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,536/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,686
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,536
−HK$862/mo
Today · 4.125%
HK$33,398
baseline
▲ 0.50% · 4.625%
HK$35,159
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,796/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,620
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,759
−HK$1,157/mo
Today · 4.125%
HK$38,916
baseline
▲ 0.50% · 4.625%
HK$41,284
+HK$2,368/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,832/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,739
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,832
−HK$1,108/mo
Today · 4.125%
HK$42,940
baseline
▲ 0.50% · 4.625%
HK$45,204
+HK$2,264/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,880/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,660 · 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).