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$20,323
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,955
−HK$642/mo
Today · 4.125%
HK$21,597
baseline
▲ 0.50% · 4.625%
HK$22,911
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,194/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,609
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,215
−HK$615/mo
Today · 4.125%
HK$23,830
baseline
▲ 0.50% · 4.625%
HK$25,086
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,660/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,387
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,146
−HK$771/mo
Today · 4.125%
HK$25,917
baseline
▲ 0.50% · 4.625%
HK$27,494
+HK$1,577/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,834/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,131
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,858
−HK$738/mo
Today · 4.125%
HK$28,596
baseline
▲ 0.50% · 4.625%
HK$30,104
+HK$1,508/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,192/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,452
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,337
−HK$899/mo
Today · 4.125%
HK$30,236
baseline
▲ 0.50% · 4.625%
HK$32,076
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,472/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,652
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,501
−HK$861/mo
Today · 4.125%
HK$33,362
baseline
▲ 0.50% · 4.625%
HK$35,121
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,724/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,581
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,719
−HK$1,156/mo
Today · 4.125%
HK$38,875
baseline
▲ 0.50% · 4.625%
HK$41,240
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,750/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,696
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,787
−HK$1,108/mo
Today · 4.125%
HK$42,895
baseline
▲ 0.50% · 4.625%
HK$45,156
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,790/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,375 · 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).