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$20,400
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,035
−HK$645/mo
Today · 4.125%
HK$21,680
baseline
▲ 0.50% · 4.625%
HK$22,999
+HK$1,319/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$268,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,695
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,304
−HK$617/mo
Today · 4.125%
HK$23,921
baseline
▲ 0.50% · 4.625%
HK$25,182
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,842/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,481
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,242
−HK$774/mo
Today · 4.125%
HK$26,016
baseline
▲ 0.50% · 4.625%
HK$27,599
+HK$1,583/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$268,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,234
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,965
−HK$741/mo
Today · 4.125%
HK$28,706
baseline
▲ 0.50% · 4.625%
HK$30,219
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,412/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,561
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,449
−HK$903/mo
Today · 4.125%
HK$30,352
baseline
▲ 0.50% · 4.625%
HK$32,199
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,704/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,773
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,626
−HK$864/mo
Today · 4.125%
HK$33,490
baseline
▲ 0.50% · 4.625%
HK$35,255
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,980/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,721
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,863
−HK$1,161/mo
Today · 4.125%
HK$39,024
baseline
▲ 0.50% · 4.625%
HK$41,398
+HK$2,374/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,048/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,852
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,947
−HK$1,112/mo
Today · 4.125%
HK$43,059
baseline
▲ 0.50% · 4.625%
HK$45,328
+HK$2,269/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,118/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,398 · 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).