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$20,423
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,059
−HK$645/mo
Today · 4.125%
HK$21,704
baseline
▲ 0.50% · 4.625%
HK$23,025
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,408/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,721
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,330
−HK$618/mo
Today · 4.125%
HK$23,948
baseline
▲ 0.50% · 4.625%
HK$25,211
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,896/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,508
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,270
−HK$775/mo
Today · 4.125%
HK$26,045
baseline
▲ 0.50% · 4.625%
HK$27,630
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,090/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,265
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,996
−HK$742/mo
Today · 4.125%
HK$28,738
baseline
▲ 0.50% · 4.625%
HK$30,253
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,476/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,593
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,482
−HK$904/mo
Today · 4.125%
HK$30,386
baseline
▲ 0.50% · 4.625%
HK$32,235
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,772/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,809
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,662
−HK$866/mo
Today · 4.125%
HK$33,528
baseline
▲ 0.50% · 4.625%
HK$35,295
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,056/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,762
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,906
−HK$1,161/mo
Today · 4.125%
HK$39,067
baseline
▲ 0.50% · 4.625%
HK$41,445
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,134/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,897
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,994
−HK$1,113/mo
Today · 4.125%
HK$43,107
baseline
▲ 0.50% · 4.625%
HK$45,379
+HK$2,272/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,214/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,699 · 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).