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$20,426
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,062
−HK$645/mo
Today · 4.125%
HK$21,707
baseline
▲ 0.50% · 4.625%
HK$23,028
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,414/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,724
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,333
−HK$619/mo
Today · 4.125%
HK$23,952
baseline
▲ 0.50% · 4.625%
HK$25,214
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,904/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,511
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$775/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,634
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,269
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,000
−HK$742/mo
Today · 4.125%
HK$28,742
baseline
▲ 0.50% · 4.625%
HK$30,257
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,484/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,597
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$904/mo
Today · 4.125%
HK$30,390
baseline
▲ 0.50% · 4.625%
HK$32,239
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,780/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,667
−HK$865/mo
Today · 4.125%
HK$33,532
baseline
▲ 0.50% · 4.625%
HK$35,300
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,064/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,767
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,911
−HK$1,162/mo
Today · 4.125%
HK$39,073
baseline
▲ 0.50% · 4.625%
HK$41,450
+HK$2,377/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,146/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,903
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,000
−HK$1,113/mo
Today · 4.125%
HK$43,113
baseline
▲ 0.50% · 4.625%
HK$45,386
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,226/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,736 · 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).