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$20,342
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,975
−HK$643/mo
Today · 4.125%
HK$21,618
baseline
▲ 0.50% · 4.625%
HK$22,933
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,236/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,630
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,237
−HK$616/mo
Today · 4.125%
HK$23,853
baseline
▲ 0.50% · 4.625%
HK$25,110
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,706/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,410
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,170
−HK$771/mo
Today · 4.125%
HK$25,941
baseline
▲ 0.50% · 4.625%
HK$27,520
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,882/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,156
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,885
−HK$739/mo
Today · 4.125%
HK$28,624
baseline
▲ 0.50% · 4.625%
HK$30,132
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,248/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,479
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,365
−HK$900/mo
Today · 4.125%
HK$30,265
baseline
▲ 0.50% · 4.625%
HK$32,106
+HK$1,841/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,530/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,682
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,532
−HK$862/mo
Today · 4.125%
HK$33,394
baseline
▲ 0.50% · 4.625%
HK$35,154
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,788/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,616
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,755
−HK$1,157/mo
Today · 4.125%
HK$38,912
baseline
▲ 0.50% · 4.625%
HK$41,279
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,824/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,735
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,108/mo
Today · 4.125%
HK$42,935
baseline
▲ 0.50% · 4.625%
HK$45,199
+HK$2,264/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,870/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,629 · 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).