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$20,412
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,047
−HK$645/mo
Today · 4.125%
HK$21,692
baseline
▲ 0.50% · 4.625%
HK$23,012
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,384/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,709
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,318
−HK$617/mo
Today · 4.125%
HK$23,935
baseline
▲ 0.50% · 4.625%
HK$25,197
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,870/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,495
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,257
−HK$774/mo
Today · 4.125%
HK$26,031
baseline
▲ 0.50% · 4.625%
HK$27,615
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,062/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,250
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,981
−HK$741/mo
Today · 4.125%
HK$28,722
baseline
▲ 0.50% · 4.625%
HK$30,236
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,444/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,577
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,466
−HK$903/mo
Today · 4.125%
HK$30,369
baseline
▲ 0.50% · 4.625%
HK$32,217
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,738/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,792
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,645
−HK$865/mo
Today · 4.125%
HK$33,510
baseline
▲ 0.50% · 4.625%
HK$35,276
+HK$1,766/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,020/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,742
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,885
−HK$1,161/mo
Today · 4.125%
HK$39,046
baseline
▲ 0.50% · 4.625%
HK$41,422
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,092/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,875
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,972
−HK$1,112/mo
Today · 4.125%
HK$43,084
baseline
▲ 0.50% · 4.625%
HK$45,355
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,168/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,553 · 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).