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$20,346
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,979
−HK$643/mo
Today · 4.125%
HK$21,622
baseline
▲ 0.50% · 4.625%
HK$22,938
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,244/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,635
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,242
−HK$616/mo
Today · 4.125%
HK$23,858
baseline
▲ 0.50% · 4.625%
HK$25,115
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,716/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,415
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,175
−HK$771/mo
Today · 4.125%
HK$25,946
baseline
▲ 0.50% · 4.625%
HK$27,525
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,892/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,162
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,890
−HK$739/mo
Today · 4.125%
HK$28,629
baseline
▲ 0.50% · 4.625%
HK$30,138
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,258/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,484
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,370
−HK$901/mo
Today · 4.125%
HK$30,271
baseline
▲ 0.50% · 4.625%
HK$32,113
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,542/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,689
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,539
−HK$862/mo
Today · 4.125%
HK$33,401
baseline
▲ 0.50% · 4.625%
HK$35,161
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,802/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,623
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,762
−HK$1,157/mo
Today · 4.125%
HK$38,919
baseline
▲ 0.50% · 4.625%
HK$41,288
+HK$2,369/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,838/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,743
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,835
−HK$1,109/mo
Today · 4.125%
HK$42,944
baseline
▲ 0.50% · 4.625%
HK$45,207
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,888/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,681 · 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).