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$20,327
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,960
−HK$642/mo
Today · 4.125%
HK$21,602
baseline
▲ 0.50% · 4.625%
HK$22,916
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,204/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,614
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,220
−HK$616/mo
Today · 4.125%
HK$23,836
baseline
▲ 0.50% · 4.625%
HK$25,092
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,672/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,393
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,151
−HK$771/mo
Today · 4.125%
HK$25,922
baseline
▲ 0.50% · 4.625%
HK$27,500
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,844/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,137
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,864
−HK$739/mo
Today · 4.125%
HK$28,603
baseline
▲ 0.50% · 4.625%
HK$30,110
+HK$1,507/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,206/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,458
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,343
−HK$900/mo
Today · 4.125%
HK$30,243
baseline
▲ 0.50% · 4.625%
HK$32,083
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,486/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,659
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,508
−HK$862/mo
Today · 4.125%
HK$33,370
baseline
▲ 0.50% · 4.625%
HK$35,129
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,740/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,589
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,727
−HK$1,156/mo
Today · 4.125%
HK$38,883
baseline
▲ 0.50% · 4.625%
HK$41,249
+HK$2,366/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,766/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,705
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,797
−HK$1,107/mo
Today · 4.125%
HK$42,904
baseline
▲ 0.50% · 4.625%
HK$45,166
+HK$2,262/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,808/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,434 · 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).