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$20,385
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,019
−HK$644/mo
Today · 4.125%
HK$21,663
baseline
▲ 0.50% · 4.625%
HK$22,982
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,326/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,678
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,286
−HK$617/mo
Today · 4.125%
HK$23,903
baseline
▲ 0.50% · 4.625%
HK$25,163
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,806/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,462
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,223
−HK$773/mo
Today · 4.125%
HK$25,996
baseline
▲ 0.50% · 4.625%
HK$27,578
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$51,992/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,214
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,944
−HK$740/mo
Today · 4.125%
HK$28,684
baseline
▲ 0.50% · 4.625%
HK$30,196
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,368/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,539
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,427
−HK$902/mo
Today · 4.125%
HK$30,329
baseline
▲ 0.50% · 4.625%
HK$32,174
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,658/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,749
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,601
−HK$864/mo
Today · 4.125%
HK$33,465
baseline
▲ 0.50% · 4.625%
HK$35,229
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,930/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,693
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,834
−HK$1,160/mo
Today · 4.125%
HK$38,994
baseline
▲ 0.50% · 4.625%
HK$41,367
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$77,988/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,821
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,915
−HK$1,111/mo
Today · 4.125%
HK$43,026
baseline
▲ 0.50% · 4.625%
HK$45,294
+HK$2,268/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,052/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,194 · 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).