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$20,409
−HK$1,279/mo
▼ 0.25% · 3.875%
HK$21,043
−HK$645/mo
Today · 4.125%
HK$21,688
baseline
▲ 0.50% · 4.625%
HK$23,008
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,376/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,704
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,313
−HK$618/mo
Today · 4.125%
HK$23,931
baseline
▲ 0.50% · 4.625%
HK$25,192
+HK$1,261/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,862/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,490
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,252
−HK$774/mo
Today · 4.125%
HK$26,026
baseline
▲ 0.50% · 4.625%
HK$27,610
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,052/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,245
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,976
−HK$741/mo
Today · 4.125%
HK$28,717
baseline
▲ 0.50% · 4.625%
HK$30,231
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,434/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,572
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,461
−HK$903/mo
Today · 4.125%
HK$30,364
baseline
▲ 0.50% · 4.625%
HK$32,211
+HK$1,847/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,728/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,786
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$864/mo
Today · 4.125%
HK$33,503
baseline
▲ 0.50% · 4.625%
HK$35,269
+HK$1,766/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,006/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,736
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,878
−HK$1,161/mo
Today · 4.125%
HK$39,039
baseline
▲ 0.50% · 4.625%
HK$41,415
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,078/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,868
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,964
−HK$1,112/mo
Today · 4.125%
HK$43,076
baseline
▲ 0.50% · 4.625%
HK$45,346
+HK$2,270/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,152/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,505 · 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).