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$20,414
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,049
−HK$645/mo
Today · 4.125%
HK$21,694
baseline
▲ 0.50% · 4.625%
HK$23,014
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,388/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,711
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,320
−HK$618/mo
Today · 4.125%
HK$23,938
baseline
▲ 0.50% · 4.625%
HK$25,199
+HK$1,261/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,876/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,497
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,259
−HK$774/mo
Today · 4.125%
HK$26,033
baseline
▲ 0.50% · 4.625%
HK$27,617
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,066/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,253
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,984
−HK$741/mo
Today · 4.125%
HK$28,725
baseline
▲ 0.50% · 4.625%
HK$30,239
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,450/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,580
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,469
−HK$903/mo
Today · 4.125%
HK$30,372
baseline
▲ 0.50% · 4.625%
HK$32,220
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,744/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,795
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,648
−HK$865/mo
Today · 4.125%
HK$33,513
baseline
▲ 0.50% · 4.625%
HK$35,279
+HK$1,766/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,026/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,746
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,889
−HK$1,161/mo
Today · 4.125%
HK$39,050
baseline
▲ 0.50% · 4.625%
HK$41,426
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,100/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,879
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,976
−HK$1,112/mo
Today · 4.125%
HK$43,088
baseline
▲ 0.50% · 4.625%
HK$45,359
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,176/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,579 · 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).