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$20,373
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,006
−HK$644/mo
Today · 4.125%
HK$21,650
baseline
▲ 0.50% · 4.625%
HK$22,968
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,300/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,664
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,272
−HK$617/mo
Today · 4.125%
HK$23,889
baseline
▲ 0.50% · 4.625%
HK$25,148
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,778/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,447
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,208
−HK$772/mo
Today · 4.125%
HK$25,980
baseline
▲ 0.50% · 4.625%
HK$27,561
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,960/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,927
−HK$740/mo
Today · 4.125%
HK$28,667
baseline
▲ 0.50% · 4.625%
HK$30,178
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,334/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,522
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,409
−HK$901/mo
Today · 4.125%
HK$30,310
baseline
▲ 0.50% · 4.625%
HK$32,155
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,620/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,730
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,581
−HK$863/mo
Today · 4.125%
HK$33,444
baseline
▲ 0.50% · 4.625%
HK$35,207
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,888/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,671
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,811
−HK$1,159/mo
Today · 4.125%
HK$38,970
baseline
▲ 0.50% · 4.625%
HK$41,342
+HK$2,372/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,940/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,796
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,890
−HK$1,110/mo
Today · 4.125%
HK$43,000
baseline
▲ 0.50% · 4.625%
HK$45,266
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$86,000/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,031 · 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).