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$20,390
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,024
−HK$645/mo
Today · 4.125%
HK$21,669
baseline
▲ 0.50% · 4.625%
HK$22,987
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,338/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,684
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,292
−HK$617/mo
Today · 4.125%
HK$23,909
baseline
▲ 0.50% · 4.625%
HK$25,170
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,818/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,468
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,229
−HK$774/mo
Today · 4.125%
HK$26,003
baseline
▲ 0.50% · 4.625%
HK$27,585
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,006/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,221
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,951
−HK$740/mo
Today · 4.125%
HK$28,691
baseline
▲ 0.50% · 4.625%
HK$30,204
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,382/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,546
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,434
−HK$902/mo
Today · 4.125%
HK$30,336
baseline
▲ 0.50% · 4.625%
HK$32,182
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,672/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,757
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,609
−HK$864/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,238
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,702
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,844
−HK$1,160/mo
Today · 4.125%
HK$39,004
baseline
▲ 0.50% · 4.625%
HK$41,377
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,008/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,831
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,926
−HK$1,111/mo
Today · 4.125%
HK$43,037
baseline
▲ 0.50% · 4.625%
HK$45,306
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,074/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,263 · 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).