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$20,324
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,956
−HK$643/mo
Today · 4.125%
HK$21,599
baseline
▲ 0.50% · 4.625%
HK$22,913
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,198/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,217
−HK$615/mo
Today · 4.125%
HK$23,832
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,664/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,389
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,148
−HK$771/mo
Today · 4.125%
HK$25,919
baseline
▲ 0.50% · 4.625%
HK$27,496
+HK$1,577/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,838/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,133
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,860
−HK$739/mo
Today · 4.125%
HK$28,599
baseline
▲ 0.50% · 4.625%
HK$30,106
+HK$1,507/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,198/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,454
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,339
−HK$899/mo
Today · 4.125%
HK$30,238
baseline
▲ 0.50% · 4.625%
HK$32,078
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,476/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,655
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,504
−HK$861/mo
Today · 4.125%
HK$33,365
baseline
▲ 0.50% · 4.625%
HK$35,124
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,730/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,584
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,722
−HK$1,156/mo
Today · 4.125%
HK$38,878
baseline
▲ 0.50% · 4.625%
HK$41,243
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,756/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,699
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,791
−HK$1,107/mo
Today · 4.125%
HK$42,898
baseline
▲ 0.50% · 4.625%
HK$45,159
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,796/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,395 · 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).