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$20,355
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,989
−HK$643/mo
Today · 4.125%
HK$21,632
baseline
▲ 0.50% · 4.625%
HK$22,948
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,264/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,645
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,253
−HK$616/mo
Today · 4.125%
HK$23,869
baseline
▲ 0.50% · 4.625%
HK$25,127
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,738/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,427
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,186
−HK$772/mo
Today · 4.125%
HK$25,958
baseline
▲ 0.50% · 4.625%
HK$27,538
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,916/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,903
−HK$739/mo
Today · 4.125%
HK$28,642
baseline
▲ 0.50% · 4.625%
HK$30,152
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,284/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,498
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,384
−HK$901/mo
Today · 4.125%
HK$30,285
baseline
▲ 0.50% · 4.625%
HK$32,127
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,570/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,554
−HK$862/mo
Today · 4.125%
HK$33,416
baseline
▲ 0.50% · 4.625%
HK$35,178
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,832/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,640
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,779
−HK$1,158/mo
Today · 4.125%
HK$38,937
baseline
▲ 0.50% · 4.625%
HK$41,307
+HK$2,370/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$77,874/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,761
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,855
−HK$1,109/mo
Today · 4.125%
HK$42,964
baseline
▲ 0.50% · 4.625%
HK$45,228
+HK$2,264/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$85,928/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,805 · 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).