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$20,364
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,997
−HK$644/mo
Today · 4.125%
HK$21,641
baseline
▲ 0.50% · 4.625%
HK$22,958
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,282/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,654
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,262
−HK$616/mo
Today · 4.125%
HK$23,878
baseline
▲ 0.50% · 4.625%
HK$25,137
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,756/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,436
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$772/mo
Today · 4.125%
HK$25,969
baseline
▲ 0.50% · 4.625%
HK$27,549
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,938/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,185
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,914
−HK$740/mo
Today · 4.125%
HK$28,654
baseline
▲ 0.50% · 4.625%
HK$30,164
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,308/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,509
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$901/mo
Today · 4.125%
HK$30,297
baseline
▲ 0.50% · 4.625%
HK$32,141
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,594/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,716
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,567
−HK$863/mo
Today · 4.125%
HK$33,430
baseline
▲ 0.50% · 4.625%
HK$35,192
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,860/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,655
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,795
−HK$1,158/mo
Today · 4.125%
HK$38,953
baseline
▲ 0.50% · 4.625%
HK$41,324
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,906/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,778
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,872
−HK$1,109/mo
Today · 4.125%
HK$42,981
baseline
▲ 0.50% · 4.625%
HK$45,247
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,962/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,914 · 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).