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$20,367
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,000
−HK$644/mo
Today · 4.125%
HK$21,644
baseline
▲ 0.50% · 4.625%
HK$22,961
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,288/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,658
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,266
−HK$616/mo
Today · 4.125%
HK$23,882
baseline
▲ 0.50% · 4.625%
HK$25,141
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,764/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,440
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,200
−HK$773/mo
Today · 4.125%
HK$25,973
baseline
▲ 0.50% · 4.625%
HK$27,553
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,946/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,189
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,919
−HK$739/mo
Today · 4.125%
HK$28,658
baseline
▲ 0.50% · 4.625%
HK$30,169
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,316/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,514
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,401
−HK$901/mo
Today · 4.125%
HK$30,302
baseline
▲ 0.50% · 4.625%
HK$32,145
+HK$1,843/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,604/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,721
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,572
−HK$863/mo
Today · 4.125%
HK$33,435
baseline
▲ 0.50% · 4.625%
HK$35,197
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,870/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,660
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,801
−HK$1,158/mo
Today · 4.125%
HK$38,959
baseline
▲ 0.50% · 4.625%
HK$41,330
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,918/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,784
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,878
−HK$1,110/mo
Today · 4.125%
HK$42,988
baseline
▲ 0.50% · 4.625%
HK$45,254
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,976/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,955 · 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).