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$20,377
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,011
−HK$644/mo
Today · 4.125%
HK$21,655
baseline
▲ 0.50% · 4.625%
HK$22,972
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,310/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,669
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,277
−HK$617/mo
Today · 4.125%
HK$23,894
baseline
▲ 0.50% · 4.625%
HK$25,153
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,788/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,452
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,213
−HK$773/mo
Today · 4.125%
HK$25,986
baseline
▲ 0.50% · 4.625%
HK$27,567
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,972/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,203
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,933
−HK$740/mo
Today · 4.125%
HK$28,673
baseline
▲ 0.50% · 4.625%
HK$30,184
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,346/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,528
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,415
−HK$902/mo
Today · 4.125%
HK$30,317
baseline
▲ 0.50% · 4.625%
HK$32,161
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,634/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,737
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,588
−HK$864/mo
Today · 4.125%
HK$33,452
baseline
▲ 0.50% · 4.625%
HK$35,215
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,904/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,679
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,820
−HK$1,159/mo
Today · 4.125%
HK$38,979
baseline
▲ 0.50% · 4.625%
HK$41,350
+HK$2,371/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,958/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,805
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,899
−HK$1,110/mo
Today · 4.125%
HK$43,009
baseline
▲ 0.50% · 4.625%
HK$45,276
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,018/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,089 · 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).