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$20,380
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,014
−HK$644/mo
Today · 4.125%
HK$21,658
baseline
▲ 0.50% · 4.625%
HK$22,976
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,316/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,673
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,281
−HK$616/mo
Today · 4.125%
HK$23,897
baseline
▲ 0.50% · 4.625%
HK$25,157
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,794/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,456
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,217
−HK$773/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,571
+HK$1,581/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$268,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,207
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,937
−HK$740/mo
Today · 4.125%
HK$28,677
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,354/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,532
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,420
−HK$901/mo
Today · 4.125%
HK$30,321
baseline
▲ 0.50% · 4.625%
HK$32,166
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,642/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,742
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,593
−HK$863/mo
Today · 4.125%
HK$33,456
baseline
▲ 0.50% · 4.625%
HK$35,220
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,912/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,684
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,825
−HK$1,159/mo
Today · 4.125%
HK$38,984
baseline
▲ 0.50% · 4.625%
HK$41,357
+HK$2,373/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,968/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,811
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,905
−HK$1,110/mo
Today · 4.125%
HK$43,015
baseline
▲ 0.50% · 4.625%
HK$45,283
+HK$2,268/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,030/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,128 · 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).