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$20,395
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,029
−HK$645/mo
Today · 4.125%
HK$21,674
baseline
▲ 0.50% · 4.625%
HK$22,993
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,348/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,689
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,298
−HK$617/mo
Today · 4.125%
HK$23,915
baseline
▲ 0.50% · 4.625%
HK$25,176
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,830/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,474
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,235
−HK$774/mo
Today · 4.125%
HK$26,009
baseline
▲ 0.50% · 4.625%
HK$27,591
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,018/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,227
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,957
−HK$741/mo
Today · 4.125%
HK$28,698
baseline
▲ 0.50% · 4.625%
HK$30,211
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,396/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,553
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,441
−HK$902/mo
Today · 4.125%
HK$30,343
baseline
▲ 0.50% · 4.625%
HK$32,190
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,686/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,765
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,617
−HK$864/mo
Today · 4.125%
HK$33,481
baseline
▲ 0.50% · 4.625%
HK$35,246
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,962/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,711
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,853
−HK$1,160/mo
Today · 4.125%
HK$39,013
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,374/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,026/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,841
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,936
−HK$1,111/mo
Today · 4.125%
HK$43,047
baseline
▲ 0.50% · 4.625%
HK$45,316
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,094/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,325 · 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).