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$20,363
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$643/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,957
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,654
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,262
−HK$616/mo
Today · 4.125%
HK$23,878
baseline
▲ 0.50% · 4.625%
HK$25,137
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,756/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,436
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,196
−HK$773/mo
Today · 4.125%
HK$25,969
baseline
▲ 0.50% · 4.625%
HK$27,549
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,938/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,185
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,914
−HK$740/mo
Today · 4.125%
HK$28,654
baseline
▲ 0.50% · 4.625%
HK$30,164
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,308/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,509
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$901/mo
Today · 4.125%
HK$30,297
baseline
▲ 0.50% · 4.625%
HK$32,140
+HK$1,843/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,594/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,716
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$863/mo
Today · 4.125%
HK$33,429
baseline
▲ 0.50% · 4.625%
HK$35,191
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,858/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,654
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,794
−HK$1,159/mo
Today · 4.125%
HK$38,953
baseline
▲ 0.50% · 4.625%
HK$41,323
+HK$2,370/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,906/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,777
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,871
−HK$1,110/mo
Today · 4.125%
HK$42,981
baseline
▲ 0.50% · 4.625%
HK$45,246
+HK$2,265/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,962/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,911 · 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).