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$20,350
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,983
−HK$644/mo
Today · 4.125%
HK$21,627
baseline
▲ 0.50% · 4.625%
HK$22,943
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,254/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,640
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,247
−HK$616/mo
Today · 4.125%
HK$23,863
baseline
▲ 0.50% · 4.625%
HK$25,121
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,726/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,421
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,180
−HK$772/mo
Today · 4.125%
HK$25,952
baseline
▲ 0.50% · 4.625%
HK$27,531
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,904/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,168
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,896
−HK$739/mo
Today · 4.125%
HK$28,635
baseline
▲ 0.50% · 4.625%
HK$30,145
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,270/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,491
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,377
−HK$900/mo
Today · 4.125%
HK$30,277
baseline
▲ 0.50% · 4.625%
HK$32,120
+HK$1,843/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,554/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,696
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,546
−HK$862/mo
Today · 4.125%
HK$33,408
baseline
▲ 0.50% · 4.625%
HK$35,169
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,816/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,631
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,770
−HK$1,158/mo
Today · 4.125%
HK$38,928
baseline
▲ 0.50% · 4.625%
HK$41,297
+HK$2,369/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,856/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,751
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,844
−HK$1,109/mo
Today · 4.125%
HK$42,953
baseline
▲ 0.50% · 4.625%
HK$45,217
+HK$2,264/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,906/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,739 · 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).