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$20,384
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,018
−HK$645/mo
Today · 4.125%
HK$21,663
baseline
▲ 0.50% · 4.625%
HK$22,981
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,326/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,677
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,285
−HK$617/mo
Today · 4.125%
HK$23,902
baseline
▲ 0.50% · 4.625%
HK$25,162
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,804/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,461
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,222
−HK$773/mo
Today · 4.125%
HK$25,995
baseline
▲ 0.50% · 4.625%
HK$27,577
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$51,990/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,213
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,943
−HK$740/mo
Today · 4.125%
HK$28,683
baseline
▲ 0.50% · 4.625%
HK$30,195
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,366/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,538
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,426
−HK$902/mo
Today · 4.125%
HK$30,328
baseline
▲ 0.50% · 4.625%
HK$32,173
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,656/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,748
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,600
−HK$863/mo
Today · 4.125%
HK$33,463
baseline
▲ 0.50% · 4.625%
HK$35,227
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,926/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,692
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,833
−HK$1,160/mo
Today · 4.125%
HK$38,993
baseline
▲ 0.50% · 4.625%
HK$41,365
+HK$2,372/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$77,986/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,819
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,914
−HK$1,110/mo
Today · 4.125%
HK$43,024
baseline
▲ 0.50% · 4.625%
HK$45,292
+HK$2,268/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,048/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,184 · 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).