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$20,344
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,977
−HK$643/mo
Today · 4.125%
HK$21,620
baseline
▲ 0.50% · 4.625%
HK$22,935
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,240/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,632
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,239
−HK$616/mo
Today · 4.125%
HK$23,855
baseline
▲ 0.50% · 4.625%
HK$25,113
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,710/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,413
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,172
−HK$772/mo
Today · 4.125%
HK$25,944
baseline
▲ 0.50% · 4.625%
HK$27,522
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,888/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,159
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,887
−HK$739/mo
Today · 4.125%
HK$28,626
baseline
▲ 0.50% · 4.625%
HK$30,135
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,252/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,481
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$900/mo
Today · 4.125%
HK$30,267
baseline
▲ 0.50% · 4.625%
HK$32,109
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,534/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,685
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,535
−HK$862/mo
Today · 4.125%
HK$33,397
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,794/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,619
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,758
−HK$1,157/mo
Today · 4.125%
HK$38,915
baseline
▲ 0.50% · 4.625%
HK$41,283
+HK$2,368/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,830/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,738
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,831
−HK$1,108/mo
Today · 4.125%
HK$42,939
baseline
▲ 0.50% · 4.625%
HK$45,203
+HK$2,264/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,878/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,653 · 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).