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$20,356
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,989
−HK$644/mo
Today · 4.125%
HK$21,633
baseline
▲ 0.50% · 4.625%
HK$22,949
+HK$1,316/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$43,266/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,646
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$23,253
−HK$616/mo
Today · 4.125%
HK$23,869
baseline
▲ 0.50% · 4.625%
HK$25,128
+HK$1,259/mo
Deposit HK$4.46M · loan HK$4.46M · min. income ≈ HK$47,738/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,427
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,187
−HK$772/mo
Today · 4.125%
HK$25,959
baseline
▲ 0.50% · 4.625%
HK$27,539
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,918/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,175
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,904
−HK$739/mo
Today · 4.125%
HK$28,643
baseline
▲ 0.50% · 4.625%
HK$30,153
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,286/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,498
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,385
−HK$901/mo
Today · 4.125%
HK$30,286
baseline
▲ 0.50% · 4.625%
HK$32,128
+HK$1,842/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,572/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,704
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,555
−HK$862/mo
Today · 4.125%
HK$33,417
baseline
▲ 0.50% · 4.625%
HK$35,179
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,834/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,641
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,781
−HK$1,158/mo
Today · 4.125%
HK$38,939
baseline
▲ 0.50% · 4.625%
HK$41,308
+HK$2,369/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$77,878/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,763
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,856
−HK$1,109/mo
Today · 4.125%
HK$42,965
baseline
▲ 0.50% · 4.625%
HK$45,230
+HK$2,265/mo
Deposit HK$893K · loan HK$8.03M · min. income ≈ HK$85,930/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,813 · 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).