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$20,335
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,967
−HK$643/mo
Today · 4.125%
HK$21,610
baseline
▲ 0.50% · 4.625%
HK$22,925
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,220/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,622
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,229
−HK$616/mo
Today · 4.125%
HK$23,845
baseline
▲ 0.50% · 4.625%
HK$25,102
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,690/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,402
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$771/mo
Today · 4.125%
HK$25,932
baseline
▲ 0.50% · 4.625%
HK$27,510
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,864/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,147
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,875
−HK$739/mo
Today · 4.125%
HK$28,614
baseline
▲ 0.50% · 4.625%
HK$30,122
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,228/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,469
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,354
−HK$900/mo
Today · 4.125%
HK$30,254
baseline
▲ 0.50% · 4.625%
HK$32,095
+HK$1,841/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,508/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,671
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,521
−HK$862/mo
Today · 4.125%
HK$33,383
baseline
▲ 0.50% · 4.625%
HK$35,142
+HK$1,759/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,766/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,603
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,741
−HK$1,157/mo
Today · 4.125%
HK$38,898
baseline
▲ 0.50% · 4.625%
HK$41,265
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,796/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,720
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,812
−HK$1,108/mo
Today · 4.125%
HK$42,920
baseline
▲ 0.50% · 4.625%
HK$45,183
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,840/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,536 · 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).