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$20,386
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,020
−HK$644/mo
Today · 4.125%
HK$21,664
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,328/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,679
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,287
−HK$617/mo
Today · 4.125%
HK$23,904
baseline
▲ 0.50% · 4.625%
HK$25,164
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,808/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,463
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,224
−HK$773/mo
Today · 4.125%
HK$25,997
baseline
▲ 0.50% · 4.625%
HK$27,579
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$51,994/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,215
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,945
−HK$740/mo
Today · 4.125%
HK$28,685
baseline
▲ 0.50% · 4.625%
HK$30,197
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,370/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,540
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,428
−HK$902/mo
Today · 4.125%
HK$30,330
baseline
▲ 0.50% · 4.625%
HK$32,175
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,660/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,750
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,602
−HK$864/mo
Today · 4.125%
HK$33,466
baseline
▲ 0.50% · 4.625%
HK$35,230
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,932/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,694
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,836
−HK$1,159/mo
Today · 4.125%
HK$38,995
baseline
▲ 0.50% · 4.625%
HK$41,368
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$77,990/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,822
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,917
−HK$1,111/mo
Today · 4.125%
HK$43,028
baseline
▲ 0.50% · 4.625%
HK$45,296
+HK$2,268/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,056/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,204 · 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).