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$20,325
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,957
−HK$642/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$267,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,611
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,217
−HK$616/mo
Today · 4.125%
HK$23,833
baseline
▲ 0.50% · 4.625%
HK$25,089
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,666/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,390
−HK$1,529/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$267,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,133
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,861
−HK$738/mo
Today · 4.125%
HK$28,599
baseline
▲ 0.50% · 4.625%
HK$30,107
+HK$1,508/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$267,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,454
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,340
−HK$899/mo
Today · 4.125%
HK$30,239
baseline
▲ 0.50% · 4.625%
HK$32,079
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,478/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,655
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,504
−HK$862/mo
Today · 4.125%
HK$33,366
baseline
▲ 0.50% · 4.625%
HK$35,124
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,732/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,400 · 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$41,244
+HK$2,366/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$267,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,700
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,791
−HK$1,108/mo
Today · 4.125%
HK$42,899
baseline
▲ 0.50% · 4.625%
HK$45,160
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,798/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,400 · 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).