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$20,372
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,006
−HK$644/mo
Today · 4.125%
HK$21,650
baseline
▲ 0.50% · 4.625%
HK$22,967
+HK$1,317/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$268,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,664
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,272
−HK$616/mo
Today · 4.125%
HK$23,888
baseline
▲ 0.50% · 4.625%
HK$25,148
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,776/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,447
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,207
−HK$773/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$268,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,926
−HK$740/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,177
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,521
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,408
−HK$902/mo
Today · 4.125%
HK$30,310
baseline
▲ 0.50% · 4.625%
HK$32,154
+HK$1,844/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$268,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,730
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,580
−HK$864/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$268,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,670
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,811
−HK$1,159/mo
Today · 4.125%
HK$38,970
baseline
▲ 0.50% · 4.625%
HK$41,341
+HK$2,371/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$268,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,795
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,889
−HK$1,110/mo
Today · 4.125%
HK$42,999
baseline
▲ 0.50% · 4.625%
HK$45,266
+HK$2,267/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,998/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,026 · 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).