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$1,276/mo
▼ 0.25% · 3.875%
HK$20,993
−HK$643/mo
Today · 4.125%
HK$21,636
baseline
▲ 0.50% · 4.625%
HK$22,953
+HK$1,317/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,272/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,650
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,257
−HK$616/mo
Today · 4.125%
HK$23,873
baseline
▲ 0.50% · 4.625%
HK$25,132
+HK$1,259/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,746/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,431
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,191
−HK$773/mo
Today · 4.125%
HK$25,964
baseline
▲ 0.50% · 4.625%
HK$27,543
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,928/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,180
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$739/mo
Today · 4.125%
HK$28,648
baseline
▲ 0.50% · 4.625%
HK$30,158
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,296/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,503
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,390
−HK$901/mo
Today · 4.125%
HK$30,291
baseline
▲ 0.50% · 4.625%
HK$32,134
+HK$1,843/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,582/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,710
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,560
−HK$863/mo
Today · 4.125%
HK$33,423
baseline
▲ 0.50% · 4.625%
HK$35,185
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,846/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,647
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,787
−HK$1,158/mo
Today · 4.125%
HK$38,945
baseline
▲ 0.50% · 4.625%
HK$41,315
+HK$2,370/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,890/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,770
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,863
−HK$1,109/mo
Today · 4.125%
HK$42,972
baseline
▲ 0.50% · 4.625%
HK$45,237
+HK$2,265/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,944/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,859 · 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).