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$20,388
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,022
−HK$644/mo
Today · 4.125%
HK$21,666
baseline
▲ 0.50% · 4.625%
HK$22,985
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,332/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,681
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,290
−HK$617/mo
Today · 4.125%
HK$23,907
baseline
▲ 0.50% · 4.625%
HK$25,167
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,814/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,465
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$774/mo
Today · 4.125%
HK$26,000
baseline
▲ 0.50% · 4.625%
HK$27,582
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$52,000/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,218
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,948
−HK$740/mo
Today · 4.125%
HK$28,688
baseline
▲ 0.50% · 4.625%
HK$30,200
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.36M · min. income ≈ HK$57,376/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,543
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,431
−HK$902/mo
Today · 4.125%
HK$30,333
baseline
▲ 0.50% · 4.625%
HK$32,179
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,666/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,754
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,605
−HK$864/mo
Today · 4.125%
HK$33,469
baseline
▲ 0.50% · 4.625%
HK$35,234
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,938/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,698
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,840
−HK$1,159/mo
Today · 4.125%
HK$38,999
baseline
▲ 0.50% · 4.625%
HK$41,372
+HK$2,373/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$77,998/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,826
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,921
−HK$1,111/mo
Today · 4.125%
HK$43,032
baseline
▲ 0.50% · 4.625%
HK$45,300
+HK$2,268/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,064/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,232 · 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).