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$20,402
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,037
−HK$645/mo
Today · 4.125%
HK$21,682
baseline
▲ 0.50% · 4.625%
HK$23,001
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,364/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,697
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,306
−HK$618/mo
Today · 4.125%
HK$23,924
baseline
▲ 0.50% · 4.625%
HK$25,185
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,848/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,483
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,244
−HK$774/mo
Today · 4.125%
HK$26,018
baseline
▲ 0.50% · 4.625%
HK$27,601
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,036/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,237
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,967
−HK$742/mo
Today · 4.125%
HK$28,709
baseline
▲ 0.50% · 4.625%
HK$30,222
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,418/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,563
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,452
−HK$903/mo
Today · 4.125%
HK$30,355
baseline
▲ 0.50% · 4.625%
HK$32,202
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,710/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,776
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,629
−HK$864/mo
Today · 4.125%
HK$33,493
baseline
▲ 0.50% · 4.625%
HK$35,259
+HK$1,766/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,986/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,724
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,867
−HK$1,160/mo
Today · 4.125%
HK$39,027
baseline
▲ 0.50% · 4.625%
HK$41,402
+HK$2,375/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,054/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,855
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,951
−HK$1,112/mo
Today · 4.125%
HK$43,063
baseline
▲ 0.50% · 4.625%
HK$45,333
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,126/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,423 · 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).