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$20,391
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$644/mo
Today · 4.125%
HK$21,669
baseline
▲ 0.50% · 4.625%
HK$22,988
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,338/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$617/mo
Today · 4.125%
HK$23,910
baseline
▲ 0.50% · 4.625%
HK$25,170
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,820/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,469
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$773/mo
Today · 4.125%
HK$26,003
baseline
▲ 0.50% · 4.625%
HK$27,586
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,006/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,951
−HK$741/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,547
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,435
−HK$902/mo
Today · 4.125%
HK$30,337
baseline
▲ 0.50% · 4.625%
HK$32,183
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,674/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,758
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,610
−HK$864/mo
Today · 4.125%
HK$33,474
baseline
▲ 0.50% · 4.625%
HK$35,239
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,948/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,703
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,845
−HK$1,160/mo
Today · 4.125%
HK$39,005
baseline
▲ 0.50% · 4.625%
HK$41,378
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,010/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,832
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,927
−HK$1,111/mo
Today · 4.125%
HK$43,038
baseline
▲ 0.50% · 4.625%
HK$45,307
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,076/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,270 · 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).