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$20,391
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,025
−HK$645/mo
Today · 4.125%
HK$21,670
baseline
▲ 0.50% · 4.625%
HK$22,988
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,340/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,685
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,293
−HK$617/mo
Today · 4.125%
HK$23,910
baseline
▲ 0.50% · 4.625%
HK$25,171
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,820/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,469
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$774/mo
Today · 4.125%
HK$26,004
baseline
▲ 0.50% · 4.625%
HK$27,586
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,008/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,222
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,952
−HK$740/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,205
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,547
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,435
−HK$902/mo
Today · 4.125%
HK$30,337
baseline
▲ 0.50% · 4.625%
HK$32,183
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,674/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,759
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,610
−HK$864/mo
Today · 4.125%
HK$33,474
baseline
▲ 0.50% · 4.625%
HK$35,239
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,948/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,704
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,845
−HK$1,160/mo
Today · 4.125%
HK$39,005
baseline
▲ 0.50% · 4.625%
HK$41,379
+HK$2,374/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,010/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,832
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,928
−HK$1,111/mo
Today · 4.125%
HK$43,039
baseline
▲ 0.50% · 4.625%
HK$45,307
+HK$2,268/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,078/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,272 · 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).