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$20,371
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,005
−HK$643/mo
Today · 4.125%
HK$21,648
baseline
▲ 0.50% · 4.625%
HK$22,966
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,296/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$268,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,662
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,270
−HK$617/mo
Today · 4.125%
HK$23,887
baseline
▲ 0.50% · 4.625%
HK$25,146
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,774/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$268,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,445
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,206
−HK$772/mo
Today · 4.125%
HK$25,978
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,956/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,195
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,924
−HK$740/mo
Today · 4.125%
HK$28,664
baseline
▲ 0.50% · 4.625%
HK$30,175
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,328/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,519
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$902/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$32,152
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,727
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$864/mo
Today · 4.125%
HK$33,442
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$1,762/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,884/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,668
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,808
−HK$1,159/mo
Today · 4.125%
HK$38,967
baseline
▲ 0.50% · 4.625%
HK$41,338
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,934/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,792
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,887
−HK$1,109/mo
Today · 4.125%
HK$42,996
baseline
▲ 0.50% · 4.625%
HK$45,263
+HK$2,267/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,992/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,009 · 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).