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$20,377
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,011
−HK$644/mo
Today · 4.125%
HK$21,655
baseline
▲ 0.50% · 4.625%
HK$22,972
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,310/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,669
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,277
−HK$617/mo
Today · 4.125%
HK$23,894
baseline
▲ 0.50% · 4.625%
HK$25,153
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,788/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,452
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,213
−HK$772/mo
Today · 4.125%
HK$25,985
baseline
▲ 0.50% · 4.625%
HK$27,567
+HK$1,582/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,970/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,203
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,932
−HK$740/mo
Today · 4.125%
HK$28,672
baseline
▲ 0.50% · 4.625%
HK$30,184
+HK$1,512/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,344/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,527
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,415
−HK$901/mo
Today · 4.125%
HK$30,316
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,632/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,736
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,588
−HK$863/mo
Today · 4.125%
HK$33,451
baseline
▲ 0.50% · 4.625%
HK$35,214
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,902/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,678
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,819
−HK$1,159/mo
Today · 4.125%
HK$38,978
baseline
▲ 0.50% · 4.625%
HK$41,350
+HK$2,372/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,956/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,804
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,898
−HK$1,111/mo
Today · 4.125%
HK$43,009
baseline
▲ 0.50% · 4.625%
HK$45,276
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,018/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,085 · 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).