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$20,389
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,023
−HK$645/mo
Today · 4.125%
HK$21,668
baseline
▲ 0.50% · 4.625%
HK$22,986
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,336/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,683
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,291
−HK$617/mo
Today · 4.125%
HK$23,908
baseline
▲ 0.50% · 4.625%
HK$25,168
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,816/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,467
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,228
−HK$773/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,583
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,219
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,949
−HK$741/mo
Today · 4.125%
HK$28,690
baseline
▲ 0.50% · 4.625%
HK$30,202
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,380/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,545
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,433
−HK$902/mo
Today · 4.125%
HK$30,335
baseline
▲ 0.50% · 4.625%
HK$32,180
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,670/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,756
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,607
−HK$864/mo
Today · 4.125%
HK$33,471
baseline
▲ 0.50% · 4.625%
HK$35,236
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,942/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,700
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,842
−HK$1,160/mo
Today · 4.125%
HK$39,002
baseline
▲ 0.50% · 4.625%
HK$41,375
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,004/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,829
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,924
−HK$1,110/mo
Today · 4.125%
HK$43,034
baseline
▲ 0.50% · 4.625%
HK$45,303
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,068/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,247 · 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).