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$20,330
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,963
−HK$642/mo
Today · 4.125%
HK$21,605
baseline
▲ 0.50% · 4.625%
HK$22,920
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,210/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,617
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$23,224
−HK$615/mo
Today · 4.125%
HK$23,839
baseline
▲ 0.50% · 4.625%
HK$25,096
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,678/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,396
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,155
−HK$771/mo
Today · 4.125%
HK$25,926
baseline
▲ 0.50% · 4.625%
HK$27,504
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,852/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,140
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,868
−HK$739/mo
Today · 4.125%
HK$28,607
baseline
▲ 0.50% · 4.625%
HK$30,115
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,214/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,462
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,348
−HK$899/mo
Today · 4.125%
HK$30,247
baseline
▲ 0.50% · 4.625%
HK$32,087
+HK$1,840/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$60,494/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,664
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,513
−HK$862/mo
Today · 4.125%
HK$33,375
baseline
▲ 0.50% · 4.625%
HK$35,134
+HK$1,759/mo
Deposit HK$2.67M · loan HK$6.24M · min. income ≈ HK$66,750/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,594
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,733
−HK$1,156/mo
Today · 4.125%
HK$38,889
baseline
▲ 0.50% · 4.625%
HK$41,255
+HK$2,366/mo
Deposit HK$892K · loan HK$8.02M · min. income ≈ HK$77,778/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,711
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,803
−HK$1,107/mo
Today · 4.125%
HK$42,910
baseline
▲ 0.50% · 4.625%
HK$45,172
+HK$2,262/mo
Deposit HK$892K · loan HK$8.02M · min. income ≈ HK$85,820/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,472 · 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).