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$20,407
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,042
−HK$645/mo
Today · 4.125%
HK$21,687
baseline
▲ 0.50% · 4.625%
HK$23,007
+HK$1,320/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,374/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,703
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,312
−HK$618/mo
Today · 4.125%
HK$23,930
baseline
▲ 0.50% · 4.625%
HK$25,191
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,860/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,251
−HK$774/mo
Today · 4.125%
HK$26,025
baseline
▲ 0.50% · 4.625%
HK$27,608
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,050/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,244
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,974
−HK$742/mo
Today · 4.125%
HK$28,716
baseline
▲ 0.50% · 4.625%
HK$30,229
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,432/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,570
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,459
−HK$903/mo
Today · 4.125%
HK$30,362
baseline
▲ 0.50% · 4.625%
HK$32,209
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,724/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,784
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$864/mo
Today · 4.125%
HK$33,501
baseline
▲ 0.50% · 4.625%
HK$35,267
+HK$1,766/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$67,002/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,733
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,876
−HK$1,161/mo
Today · 4.125%
HK$39,037
baseline
▲ 0.50% · 4.625%
HK$41,412
+HK$2,375/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,074/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,865
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,961
−HK$1,112/mo
Today · 4.125%
HK$43,073
baseline
▲ 0.50% · 4.625%
HK$45,344
+HK$2,271/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,146/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,489 · 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).