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$20,407
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,041
−HK$645/mo
Today · 4.125%
HK$21,686
baseline
▲ 0.50% · 4.625%
HK$23,006
+HK$1,320/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,372/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,702
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,311
−HK$618/mo
Today · 4.125%
HK$23,929
baseline
▲ 0.50% · 4.625%
HK$25,190
+HK$1,261/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,858/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,488
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,250
−HK$773/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,607
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,242
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,973
−HK$741/mo
Today · 4.125%
HK$28,714
baseline
▲ 0.50% · 4.625%
HK$30,228
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,428/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,569
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,458
−HK$903/mo
Today · 4.125%
HK$30,361
baseline
▲ 0.50% · 4.625%
HK$32,208
+HK$1,847/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,722/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,783
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,635
−HK$865/mo
Today · 4.125%
HK$33,500
baseline
▲ 0.50% · 4.625%
HK$35,266
+HK$1,766/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$67,000/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,732
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,874
−HK$1,161/mo
Today · 4.125%
HK$39,035
baseline
▲ 0.50% · 4.625%
HK$41,410
+HK$2,375/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$78,070/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,864
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,960
−HK$1,111/mo
Today · 4.125%
HK$43,071
baseline
▲ 0.50% · 4.625%
HK$45,342
+HK$2,271/mo
Deposit HK$895K · loan HK$8.05M · min. income ≈ HK$86,142/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,477 · 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).