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$20,337
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,969
−HK$643/mo
Today · 4.125%
HK$21,612
baseline
▲ 0.50% · 4.625%
HK$22,927
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,224/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,624
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,231
−HK$616/mo
Today · 4.125%
HK$23,847
baseline
▲ 0.50% · 4.625%
HK$25,104
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,694/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,404
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,163
−HK$771/mo
Today · 4.125%
HK$25,934
baseline
▲ 0.50% · 4.625%
HK$27,512
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,868/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,149
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,877
−HK$739/mo
Today · 4.125%
HK$28,616
baseline
▲ 0.50% · 4.625%
HK$30,124
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,232/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,471
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,357
−HK$900/mo
Today · 4.125%
HK$30,257
baseline
▲ 0.50% · 4.625%
HK$32,098
+HK$1,841/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,514/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,674
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,523
−HK$862/mo
Today · 4.125%
HK$33,385
baseline
▲ 0.50% · 4.625%
HK$35,145
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,770/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,606
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,744
−HK$1,157/mo
Today · 4.125%
HK$38,901
baseline
▲ 0.50% · 4.625%
HK$41,268
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,802/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,724
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,816
−HK$1,108/mo
Today · 4.125%
HK$42,924
baseline
▲ 0.50% · 4.625%
HK$45,186
+HK$2,262/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,848/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,557 · 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).