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$20,375
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,009
−HK$644/mo
Today · 4.125%
HK$21,653
baseline
▲ 0.50% · 4.625%
HK$22,971
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,306/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,667
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,275
−HK$617/mo
Today · 4.125%
HK$23,892
baseline
▲ 0.50% · 4.625%
HK$25,151
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,784/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,450
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,211
−HK$773/mo
Today · 4.125%
HK$25,984
baseline
▲ 0.50% · 4.625%
HK$27,565
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,968/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,201
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,930
−HK$740/mo
Today · 4.125%
HK$28,670
baseline
▲ 0.50% · 4.625%
HK$30,182
+HK$1,512/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,340/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,525
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$901/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$32,159
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,734
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$864/mo
Today · 4.125%
HK$33,449
baseline
▲ 0.50% · 4.625%
HK$35,212
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,898/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,676
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,816
−HK$1,159/mo
Today · 4.125%
HK$38,975
baseline
▲ 0.50% · 4.625%
HK$41,347
+HK$2,372/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,950/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,801
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,895
−HK$1,111/mo
Today · 4.125%
HK$43,006
baseline
▲ 0.50% · 4.625%
HK$45,272
+HK$2,266/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,012/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,066 · 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).