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$20,321
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,953
−HK$642/mo
Today · 4.125%
HK$21,595
baseline
▲ 0.50% · 4.625%
HK$22,909
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,190/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,606
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,213
−HK$615/mo
Today · 4.125%
HK$23,828
baseline
▲ 0.50% · 4.625%
HK$25,084
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,656/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,385
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$771/mo
Today · 4.125%
HK$25,914
baseline
▲ 0.50% · 4.625%
HK$27,491
+HK$1,577/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,828/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,128
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,855
−HK$738/mo
Today · 4.125%
HK$28,593
baseline
▲ 0.50% · 4.625%
HK$30,100
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,186/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,449
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,334
−HK$899/mo
Today · 4.125%
HK$30,233
baseline
▲ 0.50% · 4.625%
HK$32,072
+HK$1,839/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,466/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,649
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,498
−HK$861/mo
Today · 4.125%
HK$33,359
baseline
▲ 0.50% · 4.625%
HK$35,117
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,718/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,577
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,715
−HK$1,156/mo
Today · 4.125%
HK$38,871
baseline
▲ 0.50% · 4.625%
HK$41,236
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,742/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,692
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,783
−HK$1,107/mo
Today · 4.125%
HK$42,890
baseline
▲ 0.50% · 4.625%
HK$45,151
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,780/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,346 · 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).