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$20,372
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,006
−HK$643/mo
Today · 4.125%
HK$21,649
baseline
▲ 0.50% · 4.625%
HK$22,967
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,298/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,664
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,271
−HK$617/mo
Today · 4.125%
HK$23,888
baseline
▲ 0.50% · 4.625%
HK$25,147
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,776/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,446
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,207
−HK$772/mo
Today · 4.125%
HK$25,979
baseline
▲ 0.50% · 4.625%
HK$27,560
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,958/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,196
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,926
−HK$740/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,177
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,521
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,408
−HK$901/mo
Today · 4.125%
HK$30,309
baseline
▲ 0.50% · 4.625%
HK$32,153
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,618/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,729
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,580
−HK$863/mo
Today · 4.125%
HK$33,443
baseline
▲ 0.50% · 4.625%
HK$35,206
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,886/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,669
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,810
−HK$1,159/mo
Today · 4.125%
HK$38,969
baseline
▲ 0.50% · 4.625%
HK$41,340
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,938/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,794
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,889
−HK$1,109/mo
Today · 4.125%
HK$42,998
baseline
▲ 0.50% · 4.625%
HK$45,265
+HK$2,267/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,996/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,022 · 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).