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$20,374
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,007
−HK$644/mo
Today · 4.125%
HK$21,651
baseline
▲ 0.50% · 4.625%
HK$22,969
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,302/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,665
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,273
−HK$617/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,149
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,448
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,209
−HK$773/mo
Today · 4.125%
HK$25,982
baseline
▲ 0.50% · 4.625%
HK$27,562
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,964/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,199
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,928
−HK$740/mo
Today · 4.125%
HK$28,668
baseline
▲ 0.50% · 4.625%
HK$30,179
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,336/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,523
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,410
−HK$902/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$32,156
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$863/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,209
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,673
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,813
−HK$1,159/mo
Today · 4.125%
HK$38,972
baseline
▲ 0.50% · 4.625%
HK$41,344
+HK$2,372/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,944/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,798
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,892
−HK$1,110/mo
Today · 4.125%
HK$43,002
baseline
▲ 0.50% · 4.625%
HK$45,269
+HK$2,267/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$86,004/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,045 · 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).