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$20,398
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,032
−HK$645/mo
Today · 4.125%
HK$21,677
baseline
▲ 0.50% · 4.625%
HK$22,996
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,354/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,692
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,301
−HK$617/mo
Today · 4.125%
HK$23,918
baseline
▲ 0.50% · 4.625%
HK$25,179
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,836/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,478
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,239
−HK$773/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,595
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,231
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,961
−HK$741/mo
Today · 4.125%
HK$28,702
baseline
▲ 0.50% · 4.625%
HK$30,215
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,404/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,557
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,445
−HK$903/mo
Today · 4.125%
HK$30,348
baseline
▲ 0.50% · 4.625%
HK$32,194
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,696/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,769
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,622
−HK$864/mo
Today · 4.125%
HK$33,486
baseline
▲ 0.50% · 4.625%
HK$35,251
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,972/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,716
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,858
−HK$1,161/mo
Today · 4.125%
HK$39,019
baseline
▲ 0.50% · 4.625%
HK$41,393
+HK$2,374/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,038/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,846
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,942
−HK$1,111/mo
Today · 4.125%
HK$43,053
baseline
▲ 0.50% · 4.625%
HK$45,323
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,106/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,364 · 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).