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$20,381
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,014
−HK$645/mo
Today · 4.125%
HK$21,659
baseline
▲ 0.50% · 4.625%
HK$22,976
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,318/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,673
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,281
−HK$617/mo
Today · 4.125%
HK$23,898
baseline
▲ 0.50% · 4.625%
HK$25,158
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,796/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,457
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,217
−HK$773/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,572
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$51,980/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,208
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,937
−HK$741/mo
Today · 4.125%
HK$28,678
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,511/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,356/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,533
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,420
−HK$902/mo
Today · 4.125%
HK$30,322
baseline
▲ 0.50% · 4.625%
HK$32,167
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,644/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,594
−HK$863/mo
Today · 4.125%
HK$33,457
baseline
▲ 0.50% · 4.625%
HK$35,221
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,914/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,826
−HK$1,159/mo
Today · 4.125%
HK$38,985
baseline
▲ 0.50% · 4.625%
HK$41,358
+HK$2,373/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,970/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,812
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,906
−HK$1,111/mo
Today · 4.125%
HK$43,017
baseline
▲ 0.50% · 4.625%
HK$45,284
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,034/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,135 · 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).