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$20,382
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,015
−HK$645/mo
Today · 4.125%
HK$21,660
baseline
▲ 0.50% · 4.625%
HK$22,978
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,320/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,674
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,282
−HK$617/mo
Today · 4.125%
HK$23,899
baseline
▲ 0.50% · 4.625%
HK$25,159
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,798/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,458
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,219
−HK$773/mo
Today · 4.125%
HK$25,992
baseline
▲ 0.50% · 4.625%
HK$27,573
+HK$1,581/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$51,984/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,209
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,939
−HK$740/mo
Today · 4.125%
HK$28,679
baseline
▲ 0.50% · 4.625%
HK$30,191
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,358/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,534
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,422
−HK$901/mo
Today · 4.125%
HK$30,323
baseline
▲ 0.50% · 4.625%
HK$32,169
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,646/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,744
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,595
−HK$864/mo
Today · 4.125%
HK$33,459
baseline
▲ 0.50% · 4.625%
HK$35,223
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,918/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,687
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,828
−HK$1,159/mo
Today · 4.125%
HK$38,987
baseline
▲ 0.50% · 4.625%
HK$41,360
+HK$2,373/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,974/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,814
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,908
−HK$1,111/mo
Today · 4.125%
HK$43,019
baseline
▲ 0.50% · 4.625%
HK$45,286
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,038/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,148 · 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).