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$20,420
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,056
−HK$645/mo
Today · 4.125%
HK$21,701
baseline
▲ 0.50% · 4.625%
HK$23,021
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,402/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,718
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,327
−HK$618/mo
Today · 4.125%
HK$23,945
baseline
▲ 0.50% · 4.625%
HK$25,207
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,890/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,505
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,267
−HK$774/mo
Today · 4.125%
HK$26,041
baseline
▲ 0.50% · 4.625%
HK$27,626
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,082/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,261
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,992
−HK$742/mo
Today · 4.125%
HK$28,734
baseline
▲ 0.50% · 4.625%
HK$30,248
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,468/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,589
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,478
−HK$903/mo
Today · 4.125%
HK$30,381
baseline
▲ 0.50% · 4.625%
HK$32,230
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,762/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,805
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,658
−HK$865/mo
Today · 4.125%
HK$33,523
baseline
▲ 0.50% · 4.625%
HK$35,290
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,046/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,757
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,900
−HK$1,162/mo
Today · 4.125%
HK$39,062
baseline
▲ 0.50% · 4.625%
HK$41,439
+HK$2,377/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,124/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,892
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,988
−HK$1,113/mo
Today · 4.125%
HK$43,101
baseline
▲ 0.50% · 4.625%
HK$45,373
+HK$2,272/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,202/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,660 · 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).