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$20,399
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,034
−HK$645/mo
Today · 4.125%
HK$21,679
baseline
▲ 0.50% · 4.625%
HK$22,998
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,358/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,303
−HK$617/mo
Today · 4.125%
HK$23,920
baseline
▲ 0.50% · 4.625%
HK$25,181
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,840/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,479
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,241
−HK$773/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,597
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,233
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,963
−HK$741/mo
Today · 4.125%
HK$28,704
baseline
▲ 0.50% · 4.625%
HK$30,217
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,408/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,559
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,448
−HK$902/mo
Today · 4.125%
HK$30,350
baseline
▲ 0.50% · 4.625%
HK$32,197
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,700/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,772
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,624
−HK$864/mo
Today · 4.125%
HK$33,488
baseline
▲ 0.50% · 4.625%
HK$35,254
+HK$1,766/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,976/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,719
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,861
−HK$1,161/mo
Today · 4.125%
HK$39,022
baseline
▲ 0.50% · 4.625%
HK$41,396
+HK$2,374/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,044/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,849
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,945
−HK$1,111/mo
Today · 4.125%
HK$43,056
baseline
▲ 0.50% · 4.625%
HK$45,326
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,112/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,384 · 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).