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$20,352
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,985
−HK$643/mo
Today · 4.125%
HK$21,628
baseline
▲ 0.50% · 4.625%
HK$22,944
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,256/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,641
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,249
−HK$616/mo
Today · 4.125%
HK$23,865
baseline
▲ 0.50% · 4.625%
HK$25,123
+HK$1,258/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,730/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,422
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,182
−HK$772/mo
Today · 4.125%
HK$25,954
baseline
▲ 0.50% · 4.625%
HK$27,533
+HK$1,579/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,908/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,170
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$740/mo
Today · 4.125%
HK$28,638
baseline
▲ 0.50% · 4.625%
HK$30,147
+HK$1,509/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,276/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,493
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,379
−HK$901/mo
Today · 4.125%
HK$30,280
baseline
▲ 0.50% · 4.625%
HK$32,122
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,560/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,698
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,548
−HK$863/mo
Today · 4.125%
HK$33,411
baseline
▲ 0.50% · 4.625%
HK$35,172
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,822/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,634
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,773
−HK$1,158/mo
Today · 4.125%
HK$38,931
baseline
▲ 0.50% · 4.625%
HK$41,300
+HK$2,369/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$77,862/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,755
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,848
−HK$1,108/mo
Today · 4.125%
HK$42,956
baseline
▲ 0.50% · 4.625%
HK$45,221
+HK$2,265/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$85,912/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,760 · 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).