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$20,330
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,962
−HK$642/mo
Today · 4.125%
HK$21,604
baseline
▲ 0.50% · 4.625%
HK$22,919
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,208/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,616
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,223
−HK$615/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,095
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,396
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,154
−HK$771/mo
Today · 4.125%
HK$25,925
baseline
▲ 0.50% · 4.625%
HK$27,503
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,850/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,140
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,868
−HK$738/mo
Today · 4.125%
HK$28,606
baseline
▲ 0.50% · 4.625%
HK$30,114
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,212/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,461
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,347
−HK$899/mo
Today · 4.125%
HK$30,246
baseline
▲ 0.50% · 4.625%
HK$32,087
+HK$1,841/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,492/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,663
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,512
−HK$862/mo
Today · 4.125%
HK$33,374
baseline
▲ 0.50% · 4.625%
HK$35,133
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,748/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,593
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,732
−HK$1,156/mo
Today · 4.125%
HK$38,888
baseline
▲ 0.50% · 4.625%
HK$41,254
+HK$2,366/mo
Deposit HK$892K · loan HK$8.02M · min. income ≈ HK$77,776/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,710
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,802
−HK$1,107/mo
Today · 4.125%
HK$42,909
baseline
▲ 0.50% · 4.625%
HK$45,171
+HK$2,262/mo
Deposit HK$892K · loan HK$8.02M · min. income ≈ HK$85,818/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,465 · 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).