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$20,379
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,013
−HK$644/mo
Today · 4.125%
HK$21,657
baseline
▲ 0.50% · 4.625%
HK$22,975
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,314/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,672
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,280
−HK$617/mo
Today · 4.125%
HK$23,897
baseline
▲ 0.50% · 4.625%
HK$25,156
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,794/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,455
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$773/mo
Today · 4.125%
HK$25,989
baseline
▲ 0.50% · 4.625%
HK$27,570
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,978/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,206
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$740/mo
Today · 4.125%
HK$28,676
baseline
▲ 0.50% · 4.625%
HK$30,188
+HK$1,512/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,352/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,531
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,419
−HK$901/mo
Today · 4.125%
HK$30,320
baseline
▲ 0.50% · 4.625%
HK$32,165
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,640/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,741
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,592
−HK$863/mo
Today · 4.125%
HK$33,455
baseline
▲ 0.50% · 4.625%
HK$35,219
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,910/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,683
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,824
−HK$1,159/mo
Today · 4.125%
HK$38,983
baseline
▲ 0.50% · 4.625%
HK$41,355
+HK$2,372/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,966/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,809
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,904
−HK$1,110/mo
Today · 4.125%
HK$43,014
baseline
▲ 0.50% · 4.625%
HK$45,281
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,028/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,119 · 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).