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$20,416
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,051
−HK$645/mo
Today · 4.125%
HK$21,696
baseline
▲ 0.50% · 4.625%
HK$23,016
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,392/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,713
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,322
−HK$618/mo
Today · 4.125%
HK$23,940
baseline
▲ 0.50% · 4.625%
HK$25,202
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,880/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,499
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,261
−HK$775/mo
Today · 4.125%
HK$26,036
baseline
▲ 0.50% · 4.625%
HK$27,620
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,072/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,255
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,986
−HK$742/mo
Today · 4.125%
HK$28,728
baseline
▲ 0.50% · 4.625%
HK$30,242
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,456/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,582
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,471
−HK$904/mo
Today · 4.125%
HK$30,375
baseline
▲ 0.50% · 4.625%
HK$32,223
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,750/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,798
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,650
−HK$866/mo
Today · 4.125%
HK$33,516
baseline
▲ 0.50% · 4.625%
HK$35,282
+HK$1,766/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,032/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,749
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,892
−HK$1,161/mo
Today · 4.125%
HK$39,053
baseline
▲ 0.50% · 4.625%
HK$41,430
+HK$2,377/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,106/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,883
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,979
−HK$1,112/mo
Today · 4.125%
HK$43,091
baseline
▲ 0.50% · 4.625%
HK$45,363
+HK$2,272/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,182/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,602 · 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).