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$20,349
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,982
−HK$643/mo
Today · 4.125%
HK$21,625
baseline
▲ 0.50% · 4.625%
HK$22,941
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,250/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,638
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,245
−HK$616/mo
Today · 4.125%
HK$23,861
baseline
▲ 0.50% · 4.625%
HK$25,119
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,722/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,419
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,178
−HK$772/mo
Today · 4.125%
HK$25,950
baseline
▲ 0.50% · 4.625%
HK$27,529
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,900/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,166
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,894
−HK$739/mo
Today · 4.125%
HK$28,633
baseline
▲ 0.50% · 4.625%
HK$30,143
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,266/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,489
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,375
−HK$900/mo
Today · 4.125%
HK$30,275
baseline
▲ 0.50% · 4.625%
HK$32,117
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,550/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,693
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,543
−HK$863/mo
Today · 4.125%
HK$33,406
baseline
▲ 0.50% · 4.625%
HK$35,167
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,812/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,628
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,768
−HK$1,157/mo
Today · 4.125%
HK$38,925
baseline
▲ 0.50% · 4.625%
HK$41,294
+HK$2,369/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,850/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,749
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,841
−HK$1,109/mo
Today · 4.125%
HK$42,950
baseline
▲ 0.50% · 4.625%
HK$45,214
+HK$2,264/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,900/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,721 · 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).