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$20,395
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,030
−HK$644/mo
Today · 4.125%
HK$21,674
baseline
▲ 0.50% · 4.625%
HK$22,993
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,348/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,690
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,298
−HK$618/mo
Today · 4.125%
HK$23,916
baseline
▲ 0.50% · 4.625%
HK$25,176
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,832/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,475
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,236
−HK$773/mo
Today · 4.125%
HK$26,009
baseline
▲ 0.50% · 4.625%
HK$27,592
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,018/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,228
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,958
−HK$741/mo
Today · 4.125%
HK$28,699
baseline
▲ 0.50% · 4.625%
HK$30,211
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,398/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,554
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,442
−HK$902/mo
Today · 4.125%
HK$30,344
baseline
▲ 0.50% · 4.625%
HK$32,191
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,688/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,766
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,618
−HK$864/mo
Today · 4.125%
HK$33,482
baseline
▲ 0.50% · 4.625%
HK$35,247
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,964/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,712
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,854
−HK$1,160/mo
Today · 4.125%
HK$39,014
baseline
▲ 0.50% · 4.625%
HK$41,388
+HK$2,374/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,028/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,842
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,937
−HK$1,111/mo
Today · 4.125%
HK$43,048
baseline
▲ 0.50% · 4.625%
HK$45,317
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,096/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,332 · 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).