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$20,394
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,028
−HK$645/mo
Today · 4.125%
HK$21,673
baseline
▲ 0.50% · 4.625%
HK$22,991
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,346/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,688
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,296
−HK$618/mo
Today · 4.125%
HK$23,914
baseline
▲ 0.50% · 4.625%
HK$25,174
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,828/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,472
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,234
−HK$773/mo
Today · 4.125%
HK$26,007
baseline
▲ 0.50% · 4.625%
HK$27,590
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,014/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,225
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$740/mo
Today · 4.125%
HK$28,696
baseline
▲ 0.50% · 4.625%
HK$30,209
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,392/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,551
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,439
−HK$903/mo
Today · 4.125%
HK$30,342
baseline
▲ 0.50% · 4.625%
HK$32,188
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,684/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,763
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,615
−HK$864/mo
Today · 4.125%
HK$33,479
baseline
▲ 0.50% · 4.625%
HK$35,244
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,958/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,709
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,851
−HK$1,160/mo
Today · 4.125%
HK$39,011
baseline
▲ 0.50% · 4.625%
HK$41,384
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,022/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,838
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,933
−HK$1,111/mo
Today · 4.125%
HK$43,044
baseline
▲ 0.50% · 4.625%
HK$45,313
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,088/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,309 · 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).