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$20,375
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,008
−HK$644/mo
Today · 4.125%
HK$21,652
baseline
▲ 0.50% · 4.625%
HK$22,970
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,304/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,667
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,275
−HK$616/mo
Today · 4.125%
HK$23,891
baseline
▲ 0.50% · 4.625%
HK$25,151
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,782/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,450
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,210
−HK$773/mo
Today · 4.125%
HK$25,983
baseline
▲ 0.50% · 4.625%
HK$27,564
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,966/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,200
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,929
−HK$740/mo
Today · 4.125%
HK$28,669
baseline
▲ 0.50% · 4.625%
HK$30,181
+HK$1,512/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,338/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,525
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,412
−HK$901/mo
Today · 4.125%
HK$30,313
baseline
▲ 0.50% · 4.625%
HK$32,158
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,626/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,733
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,584
−HK$864/mo
Today · 4.125%
HK$33,448
baseline
▲ 0.50% · 4.625%
HK$35,211
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,896/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,674
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,815
−HK$1,159/mo
Today · 4.125%
HK$38,974
baseline
▲ 0.50% · 4.625%
HK$41,346
+HK$2,372/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,948/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,800
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,894
−HK$1,110/mo
Today · 4.125%
HK$43,004
baseline
▲ 0.50% · 4.625%
HK$45,271
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,008/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,058 · 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).