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$20,363
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$20,996
−HK$644/mo
Today · 4.125%
HK$21,640
baseline
▲ 0.50% · 4.625%
HK$22,956
+HK$1,316/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,280/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,653
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,261
−HK$616/mo
Today · 4.125%
HK$23,877
baseline
▲ 0.50% · 4.625%
HK$25,136
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,754/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,435
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,195
−HK$773/mo
Today · 4.125%
HK$25,968
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,580/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,936/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,184
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,913
−HK$740/mo
Today · 4.125%
HK$28,653
baseline
▲ 0.50% · 4.625%
HK$30,163
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,306/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,508
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,395
−HK$901/mo
Today · 4.125%
HK$30,296
baseline
▲ 0.50% · 4.625%
HK$32,139
+HK$1,843/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,592/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,715
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,565
−HK$863/mo
Today · 4.125%
HK$33,428
baseline
▲ 0.50% · 4.625%
HK$35,190
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,856/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,653
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,793
−HK$1,159/mo
Today · 4.125%
HK$38,952
baseline
▲ 0.50% · 4.625%
HK$41,322
+HK$2,370/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,904/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,776
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,870
−HK$1,109/mo
Today · 4.125%
HK$42,979
baseline
▲ 0.50% · 4.625%
HK$45,245
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,958/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,902 · 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).