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$20,378
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,012
−HK$644/mo
Today · 4.125%
HK$21,656
baseline
▲ 0.50% · 4.625%
HK$22,974
+HK$1,318/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,312/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,670
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,278
−HK$617/mo
Today · 4.125%
HK$23,895
baseline
▲ 0.50% · 4.625%
HK$25,155
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,790/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,454
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,214
−HK$773/mo
Today · 4.125%
HK$25,987
baseline
▲ 0.50% · 4.625%
HK$27,568
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,974/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,204
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,934
−HK$740/mo
Today · 4.125%
HK$28,674
baseline
▲ 0.50% · 4.625%
HK$30,186
+HK$1,512/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,348/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,529
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,417
−HK$901/mo
Today · 4.125%
HK$30,318
baseline
▲ 0.50% · 4.625%
HK$32,163
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,636/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,739
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,590
−HK$863/mo
Today · 4.125%
HK$33,453
baseline
▲ 0.50% · 4.625%
HK$35,217
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,906/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,680
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,821
−HK$1,160/mo
Today · 4.125%
HK$38,981
baseline
▲ 0.50% · 4.625%
HK$41,353
+HK$2,372/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,962/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,807
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,901
−HK$1,110/mo
Today · 4.125%
HK$43,011
baseline
▲ 0.50% · 4.625%
HK$45,278
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,022/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,102 · 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).