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$20,394
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,029
−HK$644/mo
Today · 4.125%
HK$21,673
baseline
▲ 0.50% · 4.625%
HK$22,992
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,346/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,688
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,297
−HK$617/mo
Today · 4.125%
HK$23,914
baseline
▲ 0.50% · 4.625%
HK$25,175
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,828/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,473
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,234
−HK$774/mo
Today · 4.125%
HK$26,008
baseline
▲ 0.50% · 4.625%
HK$27,590
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,016/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,226
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,956
−HK$741/mo
Today · 4.125%
HK$28,697
baseline
▲ 0.50% · 4.625%
HK$30,210
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,394/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,552
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,440
−HK$903/mo
Today · 4.125%
HK$30,343
baseline
▲ 0.50% · 4.625%
HK$32,189
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,686/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,764
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,616
−HK$864/mo
Today · 4.125%
HK$33,480
baseline
▲ 0.50% · 4.625%
HK$35,245
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,960/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,710
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,852
−HK$1,160/mo
Today · 4.125%
HK$39,012
baseline
▲ 0.50% · 4.625%
HK$41,386
+HK$2,374/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,024/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,935
−HK$1,111/mo
Today · 4.125%
HK$43,046
baseline
▲ 0.50% · 4.625%
HK$45,315
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,092/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,317 · 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).