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$20,404
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,039
−HK$645/mo
Today · 4.125%
HK$21,684
baseline
▲ 0.50% · 4.625%
HK$23,003
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,368/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,699
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,308
−HK$618/mo
Today · 4.125%
HK$23,926
baseline
▲ 0.50% · 4.625%
HK$25,187
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,852/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,485
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,247
−HK$773/mo
Today · 4.125%
HK$26,020
baseline
▲ 0.50% · 4.625%
HK$27,604
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,040/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,239
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,970
−HK$741/mo
Today · 4.125%
HK$28,711
baseline
▲ 0.50% · 4.625%
HK$30,224
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,422/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,566
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,454
−HK$903/mo
Today · 4.125%
HK$30,357
baseline
▲ 0.50% · 4.625%
HK$32,204
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,714/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,779
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,631
−HK$865/mo
Today · 4.125%
HK$33,496
baseline
▲ 0.50% · 4.625%
HK$35,262
+HK$1,766/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,992/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,727
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,870
−HK$1,161/mo
Today · 4.125%
HK$39,031
baseline
▲ 0.50% · 4.625%
HK$41,405
+HK$2,374/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,062/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,859
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,955
−HK$1,111/mo
Today · 4.125%
HK$43,066
baseline
▲ 0.50% · 4.625%
HK$45,336
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,132/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,446 · 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).