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$20,343
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,976
−HK$643/mo
Today · 4.125%
HK$21,619
baseline
▲ 0.50% · 4.625%
HK$22,934
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,238/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,632
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,239
−HK$615/mo
Today · 4.125%
HK$23,854
baseline
▲ 0.50% · 4.625%
HK$25,112
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,708/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,412
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,171
−HK$772/mo
Today · 4.125%
HK$25,943
baseline
▲ 0.50% · 4.625%
HK$27,521
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,886/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,158
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,886
−HK$739/mo
Today · 4.125%
HK$28,625
baseline
▲ 0.50% · 4.625%
HK$30,134
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,250/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,481
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$900/mo
Today · 4.125%
HK$30,267
baseline
▲ 0.50% · 4.625%
HK$32,108
+HK$1,841/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,534/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,684
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,534
−HK$862/mo
Today · 4.125%
HK$33,396
baseline
▲ 0.50% · 4.625%
HK$35,157
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,792/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,618
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,757
−HK$1,157/mo
Today · 4.125%
HK$38,914
baseline
▲ 0.50% · 4.625%
HK$41,282
+HK$2,368/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,828/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,737
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,830
−HK$1,108/mo
Today · 4.125%
HK$42,938
baseline
▲ 0.50% · 4.625%
HK$45,201
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,876/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,646 · 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).