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$20,333
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,966
−HK$642/mo
Today · 4.125%
HK$21,608
baseline
▲ 0.50% · 4.625%
HK$22,923
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,216/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,621
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,227
−HK$616/mo
Today · 4.125%
HK$23,843
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,686/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,400
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,159
−HK$771/mo
Today · 4.125%
HK$25,930
baseline
▲ 0.50% · 4.625%
HK$27,508
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,860/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,145
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,873
−HK$738/mo
Today · 4.125%
HK$28,611
baseline
▲ 0.50% · 4.625%
HK$30,119
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,222/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,467
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,352
−HK$900/mo
Today · 4.125%
HK$30,252
baseline
▲ 0.50% · 4.625%
HK$32,092
+HK$1,840/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,504/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,669
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,518
−HK$862/mo
Today · 4.125%
HK$33,380
baseline
▲ 0.50% · 4.625%
HK$35,139
+HK$1,759/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,760/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,600
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,738
−HK$1,157/mo
Today · 4.125%
HK$38,895
baseline
▲ 0.50% · 4.625%
HK$41,262
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,790/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,717
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,108/mo
Today · 4.125%
HK$42,917
baseline
▲ 0.50% · 4.625%
HK$45,179
+HK$2,262/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,834/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,513 · 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).