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$20,401
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$644/mo
Today · 4.125%
HK$21,680
baseline
▲ 0.50% · 4.625%
HK$23,000
+HK$1,320/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,360/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,696
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$617/mo
Today · 4.125%
HK$23,922
baseline
▲ 0.50% · 4.625%
HK$25,183
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,844/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,481
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,243
−HK$773/mo
Today · 4.125%
HK$26,016
baseline
▲ 0.50% · 4.625%
HK$27,600
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,032/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,235
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,966
−HK$741/mo
Today · 4.125%
HK$28,707
baseline
▲ 0.50% · 4.625%
HK$30,220
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,414/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,561
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,450
−HK$903/mo
Today · 4.125%
HK$30,353
baseline
▲ 0.50% · 4.625%
HK$32,199
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,706/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,774
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,627
−HK$864/mo
Today · 4.125%
HK$33,491
baseline
▲ 0.50% · 4.625%
HK$35,256
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,982/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,722
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,864
−HK$1,161/mo
Today · 4.125%
HK$39,025
baseline
▲ 0.50% · 4.625%
HK$41,399
+HK$2,374/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,050/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,853
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,948
−HK$1,112/mo
Today · 4.125%
HK$43,060
baseline
▲ 0.50% · 4.625%
HK$45,330
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,120/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,405 · 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).