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$20,336
−HK$1,275/mo
▼ 0.25% · 3.875%
HK$20,968
−HK$643/mo
Today · 4.125%
HK$21,611
baseline
▲ 0.50% · 4.625%
HK$22,926
+HK$1,315/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,222/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,623
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,230
−HK$616/mo
Today · 4.125%
HK$23,846
baseline
▲ 0.50% · 4.625%
HK$25,103
+HK$1,257/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,692/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,403
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,162
−HK$771/mo
Today · 4.125%
HK$25,933
baseline
▲ 0.50% · 4.625%
HK$27,511
+HK$1,578/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$51,866/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,148
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,876
−HK$739/mo
Today · 4.125%
HK$28,615
baseline
▲ 0.50% · 4.625%
HK$30,123
+HK$1,508/mo
Deposit HK$3.57M · loan HK$5.35M · min. income ≈ HK$57,230/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$267,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,470
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,356
−HK$900/mo
Today · 4.125%
HK$30,256
baseline
▲ 0.50% · 4.625%
HK$32,097
+HK$1,841/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$60,512/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,673
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,522
−HK$862/mo
Today · 4.125%
HK$33,384
baseline
▲ 0.50% · 4.625%
HK$35,144
+HK$1,760/mo
Deposit HK$2.68M · loan HK$6.24M · min. income ≈ HK$66,768/mo (50% DSR)
Upfront cash ≈ HK$2.94M (deposit + AVD stamp duty HK$267,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,605
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,157/mo
Today · 4.125%
HK$38,900
baseline
▲ 0.50% · 4.625%
HK$41,267
+HK$2,367/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$77,800/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,722
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,814
−HK$1,108/mo
Today · 4.125%
HK$42,922
baseline
▲ 0.50% · 4.625%
HK$45,185
+HK$2,263/mo
Deposit HK$892K · loan HK$8.03M · min. income ≈ HK$85,844/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,548 · 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).