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$20,399
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,033
−HK$645/mo
Today · 4.125%
HK$21,678
baseline
▲ 0.50% · 4.625%
HK$22,997
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,356/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,694
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,302
−HK$618/mo
Today · 4.125%
HK$23,920
baseline
▲ 0.50% · 4.625%
HK$25,181
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,840/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,479
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$774/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,597
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,232
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,963
−HK$741/mo
Today · 4.125%
HK$28,704
baseline
▲ 0.50% · 4.625%
HK$30,217
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,408/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,558
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,447
−HK$902/mo
Today · 4.125%
HK$30,349
baseline
▲ 0.50% · 4.625%
HK$32,196
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,698/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,771
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,623
−HK$865/mo
Today · 4.125%
HK$33,488
baseline
▲ 0.50% · 4.625%
HK$35,253
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,976/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,718
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,860
−HK$1,161/mo
Today · 4.125%
HK$39,021
baseline
▲ 0.50% · 4.625%
HK$41,395
+HK$2,374/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,042/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,848
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,944
−HK$1,111/mo
Today · 4.125%
HK$43,055
baseline
▲ 0.50% · 4.625%
HK$45,325
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,110/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,377 · 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).