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$20,325
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$643/mo
Today · 4.125%
HK$21,600
baseline
▲ 0.50% · 4.625%
HK$22,914
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,200/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,612
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,218
−HK$615/mo
Today · 4.125%
HK$23,833
baseline
▲ 0.50% · 4.625%
HK$25,090
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,666/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,390
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,149
−HK$771/mo
Today · 4.125%
HK$25,920
baseline
▲ 0.50% · 4.625%
HK$27,497
+HK$1,577/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,840/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,134
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,862
−HK$738/mo
Today · 4.125%
HK$28,600
baseline
▲ 0.50% · 4.625%
HK$30,107
+HK$1,507/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,200/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,455
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,340
−HK$900/mo
Today · 4.125%
HK$30,240
baseline
▲ 0.50% · 4.625%
HK$32,080
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,480/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,656
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,505
−HK$862/mo
Today · 4.125%
HK$33,367
baseline
▲ 0.50% · 4.625%
HK$35,125
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,734/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,585
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,723
−HK$1,157/mo
Today · 4.125%
HK$38,880
baseline
▲ 0.50% · 4.625%
HK$41,245
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,760/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,701
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,793
−HK$1,107/mo
Today · 4.125%
HK$42,900
baseline
▲ 0.50% · 4.625%
HK$45,161
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,800/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,408 · 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).