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$20,397
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,031
−HK$645/mo
Today · 4.125%
HK$21,676
baseline
▲ 0.50% · 4.625%
HK$22,995
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,352/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,691
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,300
−HK$617/mo
Today · 4.125%
HK$23,917
baseline
▲ 0.50% · 4.625%
HK$25,178
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,834/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,476
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$774/mo
Today · 4.125%
HK$26,011
baseline
▲ 0.50% · 4.625%
HK$27,594
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,022/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,229
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,960
−HK$740/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,213
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,555
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,444
−HK$902/mo
Today · 4.125%
HK$30,346
baseline
▲ 0.50% · 4.625%
HK$32,193
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,692/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,768
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,620
−HK$864/mo
Today · 4.125%
HK$33,484
baseline
▲ 0.50% · 4.625%
HK$35,249
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,968/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,714
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,856
−HK$1,160/mo
Today · 4.125%
HK$39,016
baseline
▲ 0.50% · 4.625%
HK$41,390
+HK$2,374/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,032/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,844
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,939
−HK$1,112/mo
Today · 4.125%
HK$43,051
baseline
▲ 0.50% · 4.625%
HK$45,320
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,102/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,348 · 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).