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$20,404
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,039
−HK$644/mo
Today · 4.125%
HK$21,683
baseline
▲ 0.50% · 4.625%
HK$23,003
+HK$1,320/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,366/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,699
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,308
−HK$617/mo
Today · 4.125%
HK$23,925
baseline
▲ 0.50% · 4.625%
HK$25,187
+HK$1,262/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,850/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,485
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,246
−HK$774/mo
Today · 4.125%
HK$26,020
baseline
▲ 0.50% · 4.625%
HK$27,603
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,040/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,239
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,969
−HK$742/mo
Today · 4.125%
HK$28,711
baseline
▲ 0.50% · 4.625%
HK$30,224
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,422/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,565
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,454
−HK$903/mo
Today · 4.125%
HK$30,357
baseline
▲ 0.50% · 4.625%
HK$32,204
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,714/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,779
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,631
−HK$865/mo
Today · 4.125%
HK$33,496
baseline
▲ 0.50% · 4.625%
HK$35,261
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,992/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,727
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,869
−HK$1,161/mo
Today · 4.125%
HK$39,030
baseline
▲ 0.50% · 4.625%
HK$41,405
+HK$2,375/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,060/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,858
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,954
−HK$1,112/mo
Today · 4.125%
HK$43,066
baseline
▲ 0.50% · 4.625%
HK$45,336
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,132/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,442 · 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).