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$20,393
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,028
−HK$644/mo
Today · 4.125%
HK$21,672
baseline
▲ 0.50% · 4.625%
HK$22,991
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,344/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,687
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,296
−HK$617/mo
Today · 4.125%
HK$23,913
baseline
▲ 0.50% · 4.625%
HK$25,174
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,826/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,472
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,233
−HK$774/mo
Today · 4.125%
HK$26,007
baseline
▲ 0.50% · 4.625%
HK$27,589
+HK$1,582/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,014/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,225
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,955
−HK$741/mo
Today · 4.125%
HK$28,696
baseline
▲ 0.50% · 4.625%
HK$30,208
+HK$1,512/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,392/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,551
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$29,439
−HK$902/mo
Today · 4.125%
HK$30,341
baseline
▲ 0.50% · 4.625%
HK$32,187
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,682/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,762
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,614
−HK$864/mo
Today · 4.125%
HK$33,478
baseline
▲ 0.50% · 4.625%
HK$35,243
+HK$1,765/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,956/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,708
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,850
−HK$1,160/mo
Today · 4.125%
HK$39,010
baseline
▲ 0.50% · 4.625%
HK$41,384
+HK$2,374/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,020/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,837
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,933
−HK$1,111/mo
Today · 4.125%
HK$43,044
baseline
▲ 0.50% · 4.625%
HK$45,313
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,088/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,304 · 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).