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$20,406
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,041
−HK$645/mo
Today · 4.125%
HK$21,686
baseline
▲ 0.50% · 4.625%
HK$23,005
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,372/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,701
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$618/mo
Today · 4.125%
HK$23,928
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,856/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,487
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$774/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,606
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,242
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$742/mo
Today · 4.125%
HK$28,714
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,428/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,568
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,457
−HK$903/mo
Today · 4.125%
HK$30,360
baseline
▲ 0.50% · 4.625%
HK$32,207
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,720/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,782
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,634
−HK$865/mo
Today · 4.125%
HK$33,499
baseline
▲ 0.50% · 4.625%
HK$35,265
+HK$1,766/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,998/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,731
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,873
−HK$1,161/mo
Today · 4.125%
HK$39,034
baseline
▲ 0.50% · 4.625%
HK$41,409
+HK$2,375/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,068/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,863
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,959
−HK$1,111/mo
Today · 4.125%
HK$43,070
baseline
▲ 0.50% · 4.625%
HK$45,341
+HK$2,271/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,140/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,470 · 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).