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$20,392
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,027
−HK$644/mo
Today · 4.125%
HK$21,671
baseline
▲ 0.50% · 4.625%
HK$22,990
+HK$1,319/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,342/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,686
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,295
−HK$617/mo
Today · 4.125%
HK$23,912
baseline
▲ 0.50% · 4.625%
HK$25,172
+HK$1,260/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,824/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,471
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,232
−HK$773/mo
Today · 4.125%
HK$26,005
baseline
▲ 0.50% · 4.625%
HK$27,588
+HK$1,583/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,010/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,224
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,954
−HK$740/mo
Today · 4.125%
HK$28,694
baseline
▲ 0.50% · 4.625%
HK$30,207
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,388/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,549
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,437
−HK$903/mo
Today · 4.125%
HK$30,340
baseline
▲ 0.50% · 4.625%
HK$32,186
+HK$1,846/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,680/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,761
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$32,613
−HK$864/mo
Today · 4.125%
HK$33,477
baseline
▲ 0.50% · 4.625%
HK$35,241
+HK$1,764/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,954/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,706
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,848
−HK$1,160/mo
Today · 4.125%
HK$39,008
baseline
▲ 0.50% · 4.625%
HK$41,382
+HK$2,374/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$78,016/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,835
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,930
−HK$1,111/mo
Today · 4.125%
HK$43,041
baseline
▲ 0.50% · 4.625%
HK$45,310
+HK$2,269/mo
Deposit HK$894K · loan HK$8.05M · min. income ≈ HK$86,082/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,290 · 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).