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$20,413
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,048
−HK$645/mo
Today · 4.125%
HK$21,693
baseline
▲ 0.50% · 4.625%
HK$23,013
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,386/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,709
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$618/mo
Today · 4.125%
HK$23,936
baseline
▲ 0.50% · 4.625%
HK$25,198
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,872/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,496
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,258
−HK$774/mo
Today · 4.125%
HK$26,032
baseline
▲ 0.50% · 4.625%
HK$27,616
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,064/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,251
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,982
−HK$742/mo
Today · 4.125%
HK$28,724
baseline
▲ 0.50% · 4.625%
HK$30,238
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,448/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,578
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,467
−HK$903/mo
Today · 4.125%
HK$30,370
baseline
▲ 0.50% · 4.625%
HK$32,218
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,740/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,793
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,646
−HK$865/mo
Today · 4.125%
HK$33,511
baseline
▲ 0.50% · 4.625%
HK$35,277
+HK$1,766/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,022/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,744
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,161/mo
Today · 4.125%
HK$39,048
baseline
▲ 0.50% · 4.625%
HK$41,424
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,096/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,877
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,973
−HK$1,112/mo
Today · 4.125%
HK$43,085
baseline
▲ 0.50% · 4.625%
HK$45,356
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,170/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,564 · 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).