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$20,386
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,021
−HK$644/mo
Today · 4.125%
HK$21,665
baseline
▲ 0.50% · 4.625%
HK$22,983
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,330/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,680
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,288
−HK$617/mo
Today · 4.125%
HK$23,905
baseline
▲ 0.50% · 4.625%
HK$25,165
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,810/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,464
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,225
−HK$773/mo
Today · 4.125%
HK$25,998
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$51,996/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,216
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,946
−HK$740/mo
Today · 4.125%
HK$28,686
baseline
▲ 0.50% · 4.625%
HK$30,198
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,372/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,541
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,429
−HK$902/mo
Today · 4.125%
HK$30,331
baseline
▲ 0.50% · 4.625%
HK$32,176
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,662/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,752
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,603
−HK$864/mo
Today · 4.125%
HK$33,467
baseline
▲ 0.50% · 4.625%
HK$35,231
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,934/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,696
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,837
−HK$1,160/mo
Today · 4.125%
HK$38,997
baseline
▲ 0.50% · 4.625%
HK$41,370
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$77,994/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,824
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,918
−HK$1,111/mo
Today · 4.125%
HK$43,029
baseline
▲ 0.50% · 4.625%
HK$45,297
+HK$2,268/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,058/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,214 · 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).