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$20,374
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$644/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,969
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,666
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,274
−HK$616/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,150
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,449
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,209
−HK$773/mo
Today · 4.125%
HK$25,982
baseline
▲ 0.50% · 4.625%
HK$27,563
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,964/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,199
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,928
−HK$740/mo
Today · 4.125%
HK$28,668
baseline
▲ 0.50% · 4.625%
HK$30,180
+HK$1,512/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,336/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,524
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$901/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$32,157
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$863/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,210
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,673
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,814
−HK$1,159/mo
Today · 4.125%
HK$38,973
baseline
▲ 0.50% · 4.625%
HK$41,344
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,946/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,798
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,893
−HK$1,110/mo
Today · 4.125%
HK$43,003
baseline
▲ 0.50% · 4.625%
HK$45,269
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$86,006/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,048 · 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).