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$20,368
−HK$1,277/mo
▼ 0.25% · 3.875%
HK$21,001
−HK$644/mo
Today · 4.125%
HK$21,645
baseline
▲ 0.50% · 4.625%
HK$22,962
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,290/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,659
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$23,267
−HK$616/mo
Today · 4.125%
HK$23,883
baseline
▲ 0.50% · 4.625%
HK$25,142
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,766/mo (50% DSR)
Upfront cash ≈ HK$4.73M (deposit + AVD stamp duty HK$267,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,441
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,202
−HK$772/mo
Today · 4.125%
HK$25,974
baseline
▲ 0.50% · 4.625%
HK$27,555
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,948/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,191
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,920
−HK$740/mo
Today · 4.125%
HK$28,660
baseline
▲ 0.50% · 4.625%
HK$30,170
+HK$1,510/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,320/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$267,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,515
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,402
−HK$901/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$32,147
+HK$1,844/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,723
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,573
−HK$863/mo
Today · 4.125%
HK$33,436
baseline
▲ 0.50% · 4.625%
HK$35,199
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.25M · min. income ≈ HK$66,872/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$267,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,662
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,159/mo
Today · 4.125%
HK$38,961
baseline
▲ 0.50% · 4.625%
HK$41,332
+HK$2,371/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$77,922/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,786
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,880
−HK$1,110/mo
Today · 4.125%
HK$42,990
baseline
▲ 0.50% · 4.625%
HK$45,256
+HK$2,266/mo
Deposit HK$893K · loan HK$8.04M · min. income ≈ HK$85,980/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$267,968 · 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).