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$20,388
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,022
−HK$644/mo
Today · 4.125%
HK$21,666
baseline
▲ 0.50% · 4.625%
HK$22,985
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,332/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,681
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,290
−HK$617/mo
Today · 4.125%
HK$23,907
baseline
▲ 0.50% · 4.625%
HK$25,167
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,814/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,466
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,227
−HK$773/mo
Today · 4.125%
HK$26,000
baseline
▲ 0.50% · 4.625%
HK$27,582
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$52,000/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,218
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,948
−HK$740/mo
Today · 4.125%
HK$28,688
baseline
▲ 0.50% · 4.625%
HK$30,200
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,376/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,543
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$902/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$32,179
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,754
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,606
−HK$864/mo
Today · 4.125%
HK$33,470
baseline
▲ 0.50% · 4.625%
HK$35,234
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,940/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,698
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,840
−HK$1,160/mo
Today · 4.125%
HK$39,000
baseline
▲ 0.50% · 4.625%
HK$41,373
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,000/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,827
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,921
−HK$1,111/mo
Today · 4.125%
HK$43,032
baseline
▲ 0.50% · 4.625%
HK$45,301
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,064/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,233 · 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).