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$20,368
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,002
−HK$644/mo
Today · 4.125%
HK$21,646
baseline
▲ 0.50% · 4.625%
HK$22,963
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,292/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,660
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,267
−HK$617/mo
Today · 4.125%
HK$23,884
baseline
▲ 0.50% · 4.625%
HK$25,143
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,768/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,442
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,202
−HK$773/mo
Today · 4.125%
HK$25,975
baseline
▲ 0.50% · 4.625%
HK$27,555
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,950/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,191
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,921
−HK$739/mo
Today · 4.125%
HK$28,660
baseline
▲ 0.50% · 4.625%
HK$30,171
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,320/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,516
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,403
−HK$901/mo
Today · 4.125%
HK$30,304
baseline
▲ 0.50% · 4.625%
HK$32,148
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,608/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,723
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,574
−HK$863/mo
Today · 4.125%
HK$33,437
baseline
▲ 0.50% · 4.625%
HK$35,200
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,874/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,663
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,803
−HK$1,159/mo
Today · 4.125%
HK$38,962
baseline
▲ 0.50% · 4.625%
HK$41,333
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,924/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,787
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,881
−HK$1,110/mo
Today · 4.125%
HK$42,991
baseline
▲ 0.50% · 4.625%
HK$45,257
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,982/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,974 · 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).