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$20,369
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,003
−HK$644/mo
Today · 4.125%
HK$21,647
baseline
▲ 0.50% · 4.625%
HK$22,964
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,294/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,661
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,268
−HK$617/mo
Today · 4.125%
HK$23,885
baseline
▲ 0.50% · 4.625%
HK$25,144
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,770/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,443
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,203
−HK$773/mo
Today · 4.125%
HK$25,976
baseline
▲ 0.50% · 4.625%
HK$27,556
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,952/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,193
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,922
−HK$740/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,173
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,324/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,517
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,404
−HK$901/mo
Today · 4.125%
HK$30,305
baseline
▲ 0.50% · 4.625%
HK$32,149
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,610/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,725
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,576
−HK$863/mo
Today · 4.125%
HK$33,439
baseline
▲ 0.50% · 4.625%
HK$35,201
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,878/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,665
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,805
−HK$1,159/mo
Today · 4.125%
HK$38,964
baseline
▲ 0.50% · 4.625%
HK$41,335
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,928/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,789
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,883
−HK$1,110/mo
Today · 4.125%
HK$42,993
baseline
▲ 0.50% · 4.625%
HK$45,259
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,986/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,986 · 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).