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$20,366
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,000
−HK$643/mo
Today · 4.125%
HK$21,643
baseline
▲ 0.50% · 4.625%
HK$22,960
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,286/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,657
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,265
−HK$616/mo
Today · 4.125%
HK$23,881
baseline
▲ 0.50% · 4.625%
HK$25,140
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,762/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,440
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,200
−HK$772/mo
Today · 4.125%
HK$25,972
baseline
▲ 0.50% · 4.625%
HK$27,552
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,944/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,189
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,918
−HK$740/mo
Today · 4.125%
HK$28,658
baseline
▲ 0.50% · 4.625%
HK$30,168
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,316/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,513
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,400
−HK$901/mo
Today · 4.125%
HK$30,301
baseline
▲ 0.50% · 4.625%
HK$32,145
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,602/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,720
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,571
−HK$863/mo
Today · 4.125%
HK$33,434
baseline
▲ 0.50% · 4.625%
HK$35,196
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,868/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,659
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,800
−HK$1,158/mo
Today · 4.125%
HK$38,958
baseline
▲ 0.50% · 4.625%
HK$41,329
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,916/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,783
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,877
−HK$1,110/mo
Today · 4.125%
HK$42,987
baseline
▲ 0.50% · 4.625%
HK$45,252
+HK$2,265/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,974/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,948 · 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).