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$20,406
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,040
−HK$645/mo
Today · 4.125%
HK$21,685
baseline
▲ 0.50% · 4.625%
HK$23,005
+HK$1,320/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,370/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,701
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,310
−HK$618/mo
Today · 4.125%
HK$23,928
baseline
▲ 0.50% · 4.625%
HK$25,189
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,856/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,487
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$773/mo
Today · 4.125%
HK$26,022
baseline
▲ 0.50% · 4.625%
HK$27,606
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,044/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,241
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,972
−HK$741/mo
Today · 4.125%
HK$28,713
baseline
▲ 0.50% · 4.625%
HK$30,227
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,426/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,568
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,457
−HK$902/mo
Today · 4.125%
HK$30,359
baseline
▲ 0.50% · 4.625%
HK$32,207
+HK$1,848/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,718/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,782
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,634
−HK$865/mo
Today · 4.125%
HK$33,499
baseline
▲ 0.50% · 4.625%
HK$35,264
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,998/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,730
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,873
−HK$1,161/mo
Today · 4.125%
HK$39,034
baseline
▲ 0.50% · 4.625%
HK$41,409
+HK$2,375/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,068/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,862
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,958
−HK$1,112/mo
Today · 4.125%
HK$43,070
baseline
▲ 0.50% · 4.625%
HK$45,340
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,140/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,467 · 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).