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$20,329
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,961
−HK$643/mo
Today · 4.125%
HK$21,604
baseline
▲ 0.50% · 4.625%
HK$22,918
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,208/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,616
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,222
−HK$616/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,395
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,153
−HK$771/mo
Today · 4.125%
HK$25,924
baseline
▲ 0.50% · 4.625%
HK$27,502
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,848/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,139
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,867
−HK$738/mo
Today · 4.125%
HK$28,605
baseline
▲ 0.50% · 4.625%
HK$30,113
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,210/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,460
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,346
−HK$899/mo
Today · 4.125%
HK$30,245
baseline
▲ 0.50% · 4.625%
HK$32,085
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,490/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,662
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,511
−HK$862/mo
Today · 4.125%
HK$33,373
baseline
▲ 0.50% · 4.625%
HK$35,132
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,746/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,592
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,730
−HK$1,157/mo
Today · 4.125%
HK$38,887
baseline
▲ 0.50% · 4.625%
HK$41,253
+HK$2,366/mo
Deposit HK$892K · loan HK$8.02M · min. income ≈ HK$77,774/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,708
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,800
−HK$1,108/mo
Today · 4.125%
HK$42,908
baseline
▲ 0.50% · 4.625%
HK$45,169
+HK$2,261/mo
Deposit HK$892K · loan HK$8.02M · min. income ≈ HK$85,816/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,455 · 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).