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$20,353
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,986
−HK$643/mo
Today · 4.125%
HK$21,629
baseline
▲ 0.50% · 4.625%
HK$22,945
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,258/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,642
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,249
−HK$616/mo
Today · 4.125%
HK$23,865
baseline
▲ 0.50% · 4.625%
HK$25,123
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,730/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,423
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,183
−HK$772/mo
Today · 4.125%
HK$25,955
baseline
▲ 0.50% · 4.625%
HK$27,534
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,910/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,899
−HK$740/mo
Today · 4.125%
HK$28,639
baseline
▲ 0.50% · 4.625%
HK$30,148
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,278/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,494
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,380
−HK$901/mo
Today · 4.125%
HK$30,281
baseline
▲ 0.50% · 4.625%
HK$32,123
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,562/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,699
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$863/mo
Today · 4.125%
HK$33,412
baseline
▲ 0.50% · 4.625%
HK$35,173
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,824/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,635
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,774
−HK$1,158/mo
Today · 4.125%
HK$38,932
baseline
▲ 0.50% · 4.625%
HK$41,301
+HK$2,369/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$77,864/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,756
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,849
−HK$1,109/mo
Today · 4.125%
HK$42,958
baseline
▲ 0.50% · 4.625%
HK$45,222
+HK$2,264/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$85,916/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,769 · 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).