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$20,405
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,040
−HK$645/mo
Today · 4.125%
HK$21,685
baseline
▲ 0.50% · 4.625%
HK$23,004
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,370/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,700
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,309
−HK$618/mo
Today · 4.125%
HK$23,927
baseline
▲ 0.50% · 4.625%
HK$25,188
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,854/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,486
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,248
−HK$773/mo
Today · 4.125%
HK$26,021
baseline
▲ 0.50% · 4.625%
HK$27,605
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,042/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,240
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,971
−HK$741/mo
Today · 4.125%
HK$28,712
baseline
▲ 0.50% · 4.625%
HK$30,226
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,424/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,567
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,456
−HK$902/mo
Today · 4.125%
HK$30,358
baseline
▲ 0.50% · 4.625%
HK$32,206
+HK$1,848/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,716/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,780
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,633
−HK$864/mo
Today · 4.125%
HK$33,497
baseline
▲ 0.50% · 4.625%
HK$35,263
+HK$1,766/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,994/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,729
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,871
−HK$1,161/mo
Today · 4.125%
HK$39,032
baseline
▲ 0.50% · 4.625%
HK$41,407
+HK$2,375/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,064/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,861
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,956
−HK$1,112/mo
Today · 4.125%
HK$43,068
baseline
▲ 0.50% · 4.625%
HK$45,338
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,136/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,457 · 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).