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$20,320
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$20,952
−HK$642/mo
Today · 4.125%
HK$21,594
baseline
▲ 0.50% · 4.625%
HK$22,908
+HK$1,314/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,188/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,606
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$23,212
−HK$615/mo
Today · 4.125%
HK$23,827
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,256/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,654/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$267,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,384
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$770/mo
Today · 4.125%
HK$25,913
baseline
▲ 0.50% · 4.625%
HK$27,490
+HK$1,577/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$51,826/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,127
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,855
−HK$738/mo
Today · 4.125%
HK$28,593
baseline
▲ 0.50% · 4.625%
HK$30,100
+HK$1,507/mo
Deposit HK$3.56M · loan HK$5.35M · min. income ≈ HK$57,186/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,448
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$29,333
−HK$899/mo
Today · 4.125%
HK$30,232
baseline
▲ 0.50% · 4.625%
HK$32,072
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,464/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,648
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$32,497
−HK$861/mo
Today · 4.125%
HK$33,358
baseline
▲ 0.50% · 4.625%
HK$35,116
+HK$1,758/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,716/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,576
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,714
−HK$1,156/mo
Today · 4.125%
HK$38,870
baseline
▲ 0.50% · 4.625%
HK$41,235
+HK$2,365/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$77,740/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,690
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,782
−HK$1,107/mo
Today · 4.125%
HK$42,889
baseline
▲ 0.50% · 4.625%
HK$45,150
+HK$2,261/mo
Deposit HK$891K · loan HK$8.02M · min. income ≈ HK$85,778/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,339 · 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).