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$20,334
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$643/mo
Today · 4.125%
HK$21,609
baseline
▲ 0.50% · 4.625%
HK$22,924
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,218/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,621
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,228
−HK$615/mo
Today · 4.125%
HK$23,843
baseline
▲ 0.50% · 4.625%
HK$25,100
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,686/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,400
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,159
−HK$772/mo
Today · 4.125%
HK$25,931
baseline
▲ 0.50% · 4.625%
HK$27,508
+HK$1,577/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,862/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,145
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,873
−HK$739/mo
Today · 4.125%
HK$28,612
baseline
▲ 0.50% · 4.625%
HK$30,120
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,224/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,467
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,353
−HK$899/mo
Today · 4.125%
HK$30,252
baseline
▲ 0.50% · 4.625%
HK$32,093
+HK$1,841/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,504/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,669
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,519
−HK$861/mo
Today · 4.125%
HK$33,380
baseline
▲ 0.50% · 4.625%
HK$35,140
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,760/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,601
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,739
−HK$1,157/mo
Today · 4.125%
HK$38,896
baseline
▲ 0.50% · 4.625%
HK$41,263
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,792/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,718
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,810
−HK$1,108/mo
Today · 4.125%
HK$42,918
baseline
▲ 0.50% · 4.625%
HK$45,180
+HK$2,262/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,836/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,519 · 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).