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$20,333
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,965
−HK$643/mo
Today · 4.125%
HK$21,608
baseline
▲ 0.50% · 4.625%
HK$22,922
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,216/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,620
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,226
−HK$616/mo
Today · 4.125%
HK$23,842
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,684/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,399
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,158
−HK$771/mo
Today · 4.125%
HK$25,929
baseline
▲ 0.50% · 4.625%
HK$27,507
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,858/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,144
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,872
−HK$738/mo
Today · 4.125%
HK$28,610
baseline
▲ 0.50% · 4.625%
HK$30,118
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,220/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,466
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,351
−HK$900/mo
Today · 4.125%
HK$30,251
baseline
▲ 0.50% · 4.625%
HK$32,091
+HK$1,840/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,502/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,668
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,517
−HK$862/mo
Today · 4.125%
HK$33,379
baseline
▲ 0.50% · 4.625%
HK$35,138
+HK$1,759/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,758/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,599
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,737
−HK$1,157/mo
Today · 4.125%
HK$38,894
baseline
▲ 0.50% · 4.625%
HK$41,260
+HK$2,366/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,788/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,716
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,808
−HK$1,107/mo
Today · 4.125%
HK$42,915
baseline
▲ 0.50% · 4.625%
HK$45,178
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,830/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,504 · 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).