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$20,360
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,994
−HK$643/mo
Today · 4.125%
HK$21,637
baseline
▲ 0.50% · 4.625%
HK$22,954
+HK$1,317/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,274/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,651
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,258
−HK$617/mo
Today · 4.125%
HK$23,875
baseline
▲ 0.50% · 4.625%
HK$25,133
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,750/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,433
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,193
−HK$772/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,545
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,181
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,910
−HK$740/mo
Today · 4.125%
HK$28,650
baseline
▲ 0.50% · 4.625%
HK$30,160
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,300/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,505
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,391
−HK$901/mo
Today · 4.125%
HK$30,292
baseline
▲ 0.50% · 4.625%
HK$32,135
+HK$1,843/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,584/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,711
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,562
−HK$862/mo
Today · 4.125%
HK$33,424
baseline
▲ 0.50% · 4.625%
HK$35,186
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,848/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,649
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,789
−HK$1,158/mo
Today · 4.125%
HK$38,947
baseline
▲ 0.50% · 4.625%
HK$41,317
+HK$2,370/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,894/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,771
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,865
−HK$1,109/mo
Today · 4.125%
HK$42,974
baseline
▲ 0.50% · 4.625%
HK$45,239
+HK$2,265/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,948/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,871 · 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).