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$1,278/mo
▼ 0.25% · 3.875%
HK$21,001
−HK$644/mo
Today · 4.125%
HK$21,645
baseline
▲ 0.50% · 4.625%
HK$22,962
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,290/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,659
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,266
−HK$617/mo
Today · 4.125%
HK$23,883
baseline
▲ 0.50% · 4.625%
HK$25,142
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,766/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,441
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,201
−HK$773/mo
Today · 4.125%
HK$25,974
baseline
▲ 0.50% · 4.625%
HK$27,554
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,948/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,190
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,920
−HK$739/mo
Today · 4.125%
HK$28,659
baseline
▲ 0.50% · 4.625%
HK$30,170
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,318/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,514
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,401
−HK$902/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$32,146
+HK$1,843/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,722
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,573
−HK$863/mo
Today · 4.125%
HK$33,436
baseline
▲ 0.50% · 4.625%
HK$35,198
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,872/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,661
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,158/mo
Today · 4.125%
HK$38,960
baseline
▲ 0.50% · 4.625%
HK$41,331
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,920/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,785
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,110/mo
Today · 4.125%
HK$42,989
baseline
▲ 0.50% · 4.625%
HK$45,255
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,978/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,963 · 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).