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$20,371
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,004
−HK$644/mo
Today · 4.125%
HK$21,648
baseline
▲ 0.50% · 4.625%
HK$22,965
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,296/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$268,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,662
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,270
−HK$616/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,146
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$268,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,445
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,205
−HK$773/mo
Today · 4.125%
HK$25,978
baseline
▲ 0.50% · 4.625%
HK$27,558
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,956/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,195
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,924
−HK$740/mo
Today · 4.125%
HK$28,664
baseline
▲ 0.50% · 4.625%
HK$30,175
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,328/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,519
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$901/mo
Today · 4.125%
HK$30,307
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,614/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,727
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$863/mo
Today · 4.125%
HK$33,441
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,882/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,667
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,808
−HK$1,158/mo
Today · 4.125%
HK$38,966
baseline
▲ 0.50% · 4.625%
HK$41,338
+HK$2,372/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,932/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,792
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,886
−HK$1,110/mo
Today · 4.125%
HK$42,996
baseline
▲ 0.50% · 4.625%
HK$45,262
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,992/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,005 · 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).