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$20,427
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,062
−HK$646/mo
Today · 4.125%
HK$21,708
baseline
▲ 0.50% · 4.625%
HK$23,028
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,416/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,724
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,334
−HK$618/mo
Today · 4.125%
HK$23,952
baseline
▲ 0.50% · 4.625%
HK$25,215
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,904/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,512
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$775/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,634
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,269
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,001
−HK$742/mo
Today · 4.125%
HK$28,743
baseline
▲ 0.50% · 4.625%
HK$30,258
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,486/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,597
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,487
−HK$904/mo
Today · 4.125%
HK$30,391
baseline
▲ 0.50% · 4.625%
HK$32,240
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,782/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,814
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,667
−HK$866/mo
Today · 4.125%
HK$33,533
baseline
▲ 0.50% · 4.625%
HK$35,301
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,066/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,768
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,912
−HK$1,162/mo
Today · 4.125%
HK$39,074
baseline
▲ 0.50% · 4.625%
HK$41,451
+HK$2,377/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,148/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,904
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,001
−HK$1,113/mo
Today · 4.125%
HK$43,114
baseline
▲ 0.50% · 4.625%
HK$45,386
+HK$2,272/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,228/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,741 · 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).