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$20,321
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,954
−HK$642/mo
Today · 4.125%
HK$21,596
baseline
▲ 0.50% · 4.625%
HK$22,910
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,192/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,607
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,214
−HK$615/mo
Today · 4.125%
HK$23,829
baseline
▲ 0.50% · 4.625%
HK$25,085
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,658/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,386
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,144
−HK$771/mo
Today · 4.125%
HK$25,915
baseline
▲ 0.50% · 4.625%
HK$27,492
+HK$1,577/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,830/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,129
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,856
−HK$739/mo
Today · 4.125%
HK$28,595
baseline
▲ 0.50% · 4.625%
HK$30,102
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,190/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,450
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,335
−HK$899/mo
Today · 4.125%
HK$30,234
baseline
▲ 0.50% · 4.625%
HK$32,074
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,468/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,650
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,499
−HK$861/mo
Today · 4.125%
HK$33,360
baseline
▲ 0.50% · 4.625%
HK$35,119
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,720/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,579
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,716
−HK$1,156/mo
Today · 4.125%
HK$38,872
baseline
▲ 0.50% · 4.625%
HK$41,238
+HK$2,366/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,744/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,693
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,785
−HK$1,107/mo
Today · 4.125%
HK$42,892
baseline
▲ 0.50% · 4.625%
HK$45,153
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,784/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,358 · 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).