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$20,376
−HK$1,278/mo
▼ 0.25% · 3.875%
HK$21,010
−HK$644/mo
Today · 4.125%
HK$21,654
baseline
▲ 0.50% · 4.625%
HK$22,971
+HK$1,317/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$43,308/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,668
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$23,276
−HK$617/mo
Today · 4.125%
HK$23,893
baseline
▲ 0.50% · 4.625%
HK$25,152
+HK$1,259/mo
Deposit HK$4.47M · loan HK$4.47M · min. income ≈ HK$47,786/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,451
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,212
−HK$772/mo
Today · 4.125%
HK$25,984
baseline
▲ 0.50% · 4.625%
HK$27,565
+HK$1,581/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$51,968/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,201
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,931
−HK$740/mo
Today · 4.125%
HK$28,671
baseline
▲ 0.50% · 4.625%
HK$30,182
+HK$1,511/mo
Deposit HK$3.57M · loan HK$5.36M · min. income ≈ HK$57,342/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$268,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,526
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$902/mo
Today · 4.125%
HK$30,315
baseline
▲ 0.50% · 4.625%
HK$32,160
+HK$1,845/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$60,630/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,735
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,586
−HK$864/mo
Today · 4.125%
HK$33,450
baseline
▲ 0.50% · 4.625%
HK$35,213
+HK$1,763/mo
Deposit HK$2.68M · loan HK$6.26M · min. income ≈ HK$66,900/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,677
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,817
−HK$1,159/mo
Today · 4.125%
HK$38,976
baseline
▲ 0.50% · 4.625%
HK$41,348
+HK$2,372/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$77,952/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,802
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,897
−HK$1,110/mo
Today · 4.125%
HK$43,007
baseline
▲ 0.50% · 4.625%
HK$45,274
+HK$2,267/mo
Deposit HK$894K · loan HK$8.04M · min. income ≈ HK$86,014/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,073 · 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).