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$20,365
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,999
−HK$643/mo
Today · 4.125%
HK$21,642
baseline
▲ 0.50% · 4.625%
HK$22,959
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,284/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,656
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,264
−HK$616/mo
Today · 4.125%
HK$23,880
baseline
▲ 0.50% · 4.625%
HK$25,139
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,760/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,438
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,198
−HK$773/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,551
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,187
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,916
−HK$740/mo
Today · 4.125%
HK$28,656
baseline
▲ 0.50% · 4.625%
HK$30,167
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,312/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,511
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,398
−HK$901/mo
Today · 4.125%
HK$30,299
baseline
▲ 0.50% · 4.625%
HK$32,143
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,598/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,718
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,569
−HK$863/mo
Today · 4.125%
HK$33,432
baseline
▲ 0.50% · 4.625%
HK$35,194
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,864/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,657
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,798
−HK$1,158/mo
Today · 4.125%
HK$38,956
baseline
▲ 0.50% · 4.625%
HK$41,326
+HK$2,370/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,912/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,781
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,875
−HK$1,109/mo
Today · 4.125%
HK$42,984
baseline
▲ 0.50% · 4.625%
HK$45,250
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,968/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,933 · 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).