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$20,340
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,973
−HK$643/mo
Today · 4.125%
HK$21,616
baseline
▲ 0.50% · 4.625%
HK$22,931
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,232/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,628
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,235
−HK$616/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,108
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,408
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,168
−HK$771/mo
Today · 4.125%
HK$25,939
baseline
▲ 0.50% · 4.625%
HK$27,517
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,878/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,154
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,882
−HK$739/mo
Today · 4.125%
HK$28,621
baseline
▲ 0.50% · 4.625%
HK$30,130
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,242/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,476
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,362
−HK$900/mo
Today · 4.125%
HK$30,262
baseline
▲ 0.50% · 4.625%
HK$32,104
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,524/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,680
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$862/mo
Today · 4.125%
HK$33,391
baseline
▲ 0.50% · 4.625%
HK$35,151
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,782/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,613
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,751
−HK$1,158/mo
Today · 4.125%
HK$38,909
baseline
▲ 0.50% · 4.625%
HK$41,276
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,818/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,731
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,824
−HK$1,108/mo
Today · 4.125%
HK$42,932
baseline
▲ 0.50% · 4.625%
HK$45,195
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,864/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,606 · 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).