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$20,402
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,036
−HK$645/mo
Today · 4.125%
HK$21,681
baseline
▲ 0.50% · 4.625%
HK$23,000
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,362/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,697
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,305
−HK$618/mo
Today · 4.125%
HK$23,923
baseline
▲ 0.50% · 4.625%
HK$25,184
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,846/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,482
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,243
−HK$774/mo
Today · 4.125%
HK$26,017
baseline
▲ 0.50% · 4.625%
HK$27,600
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,034/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,236
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,966
−HK$741/mo
Today · 4.125%
HK$28,707
baseline
▲ 0.50% · 4.625%
HK$30,221
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,414/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,562
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,451
−HK$902/mo
Today · 4.125%
HK$30,353
baseline
▲ 0.50% · 4.625%
HK$32,200
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,706/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,775
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,627
−HK$865/mo
Today · 4.125%
HK$33,492
baseline
▲ 0.50% · 4.625%
HK$35,257
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,984/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,723
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,865
−HK$1,161/mo
Today · 4.125%
HK$39,026
baseline
▲ 0.50% · 4.625%
HK$41,400
+HK$2,374/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,052/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,854
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,949
−HK$1,112/mo
Today · 4.125%
HK$43,061
baseline
▲ 0.50% · 4.625%
HK$45,331
+HK$2,270/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,122/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,412 · 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).