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$20,390
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,024
−HK$644/mo
Today · 4.125%
HK$21,668
baseline
▲ 0.50% · 4.625%
HK$22,987
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,336/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,683
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,292
−HK$617/mo
Today · 4.125%
HK$23,909
baseline
▲ 0.50% · 4.625%
HK$25,169
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,818/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,468
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,229
−HK$773/mo
Today · 4.125%
HK$26,002
baseline
▲ 0.50% · 4.625%
HK$27,584
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,004/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,220
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,950
−HK$741/mo
Today · 4.125%
HK$28,691
baseline
▲ 0.50% · 4.625%
HK$30,203
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,382/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,546
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,433
−HK$903/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$32,181
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,757
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,608
−HK$864/mo
Today · 4.125%
HK$33,472
baseline
▲ 0.50% · 4.625%
HK$35,237
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,944/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,701
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,843
−HK$1,160/mo
Today · 4.125%
HK$39,003
baseline
▲ 0.50% · 4.625%
HK$41,376
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,006/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,830
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,925
−HK$1,111/mo
Today · 4.125%
HK$43,036
baseline
▲ 0.50% · 4.625%
HK$45,304
+HK$2,268/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,072/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,255 · 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).