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$20,383
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,017
−HK$644/mo
Today · 4.125%
HK$21,661
baseline
▲ 0.50% · 4.625%
HK$22,979
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,322/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,675
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,284
−HK$616/mo
Today · 4.125%
HK$23,900
baseline
▲ 0.50% · 4.625%
HK$25,160
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,800/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,459
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,220
−HK$773/mo
Today · 4.125%
HK$25,993
baseline
▲ 0.50% · 4.625%
HK$27,574
+HK$1,581/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$51,986/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,210
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,940
−HK$741/mo
Today · 4.125%
HK$28,681
baseline
▲ 0.50% · 4.625%
HK$30,192
+HK$1,511/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,362/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,536
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,423
−HK$902/mo
Today · 4.125%
HK$30,325
baseline
▲ 0.50% · 4.625%
HK$32,170
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,650/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,746
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,597
−HK$864/mo
Today · 4.125%
HK$33,461
baseline
▲ 0.50% · 4.625%
HK$35,224
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,922/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,689
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,830
−HK$1,159/mo
Today · 4.125%
HK$38,989
baseline
▲ 0.50% · 4.625%
HK$41,362
+HK$2,373/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,978/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,816
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,910
−HK$1,111/mo
Today · 4.125%
HK$43,021
baseline
▲ 0.50% · 4.625%
HK$45,288
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,042/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,162 · 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).