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$20,339
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,972
−HK$643/mo
Today · 4.125%
HK$21,615
baseline
▲ 0.50% · 4.625%
HK$22,930
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,230/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,627
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,234
−HK$616/mo
Today · 4.125%
HK$23,850
baseline
▲ 0.50% · 4.625%
HK$25,107
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,700/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,407
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,166
−HK$772/mo
Today · 4.125%
HK$25,938
baseline
▲ 0.50% · 4.625%
HK$27,516
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,876/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,153
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,881
−HK$739/mo
Today · 4.125%
HK$28,620
baseline
▲ 0.50% · 4.625%
HK$30,128
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,240/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,475
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,361
−HK$900/mo
Today · 4.125%
HK$30,261
baseline
▲ 0.50% · 4.625%
HK$32,102
+HK$1,841/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,522/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,678
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,528
−HK$862/mo
Today · 4.125%
HK$33,390
baseline
▲ 0.50% · 4.625%
HK$35,150
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,780/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,611
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,750
−HK$1,157/mo
Today · 4.125%
HK$38,907
baseline
▲ 0.50% · 4.625%
HK$41,274
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,814/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,729
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,822
−HK$1,108/mo
Today · 4.125%
HK$42,930
baseline
▲ 0.50% · 4.625%
HK$45,193
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,860/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,594 · 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).