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$20,419
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$645/mo
Today · 4.125%
HK$21,699
baseline
▲ 0.50% · 4.625%
HK$23,020
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,398/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,716
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,325
−HK$618/mo
Today · 4.125%
HK$23,943
baseline
▲ 0.50% · 4.625%
HK$25,205
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,886/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,503
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,265
−HK$774/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,624
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,259
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,990
−HK$742/mo
Today · 4.125%
HK$28,732
baseline
▲ 0.50% · 4.625%
HK$30,246
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,464/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,586
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,476
−HK$903/mo
Today · 4.125%
HK$30,379
baseline
▲ 0.50% · 4.625%
HK$32,228
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,758/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,802
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,655
−HK$865/mo
Today · 4.125%
HK$33,520
baseline
▲ 0.50% · 4.625%
HK$35,287
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,040/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,754
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,162/mo
Today · 4.125%
HK$39,059
baseline
▲ 0.50% · 4.625%
HK$41,435
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,118/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,888
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,985
−HK$1,113/mo
Today · 4.125%
HK$43,098
baseline
▲ 0.50% · 4.625%
HK$45,369
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,196/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,640 · 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).