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$20,354
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,987
−HK$643/mo
Today · 4.125%
HK$21,630
baseline
▲ 0.50% · 4.625%
HK$22,946
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,260/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,643
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,250
−HK$616/mo
Today · 4.125%
HK$23,866
baseline
▲ 0.50% · 4.625%
HK$25,124
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,732/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,424
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$772/mo
Today · 4.125%
HK$25,956
baseline
▲ 0.50% · 4.625%
HK$27,535
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,912/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,172
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,900
−HK$740/mo
Today · 4.125%
HK$28,640
baseline
▲ 0.50% · 4.625%
HK$30,149
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,280/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,495
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,381
−HK$901/mo
Today · 4.125%
HK$30,282
baseline
▲ 0.50% · 4.625%
HK$32,124
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,564/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,700
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,551
−HK$862/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,174
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,636
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,776
−HK$1,158/mo
Today · 4.125%
HK$38,934
baseline
▲ 0.50% · 4.625%
HK$41,303
+HK$2,369/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$77,868/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,758
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,851
−HK$1,109/mo
Today · 4.125%
HK$42,960
baseline
▲ 0.50% · 4.625%
HK$45,224
+HK$2,264/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$85,920/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,780 · 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).