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$20,358
−HK$1,276/mo
▼ 0.25% · 3.875%
HK$20,991
−HK$643/mo
Today · 4.125%
HK$21,634
baseline
▲ 0.50% · 4.625%
HK$22,951
+HK$1,317/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,268/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,648
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,255
−HK$616/mo
Today · 4.125%
HK$23,871
baseline
▲ 0.50% · 4.625%
HK$25,130
+HK$1,259/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,742/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,429
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,189
−HK$772/mo
Today · 4.125%
HK$25,961
baseline
▲ 0.50% · 4.625%
HK$27,541
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,922/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,177
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,906
−HK$740/mo
Today · 4.125%
HK$28,646
baseline
▲ 0.50% · 4.625%
HK$30,156
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,292/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,501
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$901/mo
Today · 4.125%
HK$30,288
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,843/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,576/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,707
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$863/mo
Today · 4.125%
HK$33,420
baseline
▲ 0.50% · 4.625%
HK$35,181
+HK$1,761/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,840/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,644
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,784
−HK$1,158/mo
Today · 4.125%
HK$38,942
baseline
▲ 0.50% · 4.625%
HK$41,311
+HK$2,369/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,884/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,766
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,859
−HK$1,109/mo
Today · 4.125%
HK$42,968
baseline
▲ 0.50% · 4.625%
HK$45,233
+HK$2,265/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,936/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,835 · 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).