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$20,410
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,045
−HK$645/mo
Today · 4.125%
HK$21,690
baseline
▲ 0.50% · 4.625%
HK$23,009
+HK$1,319/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,380/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,706
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,315
−HK$617/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,194
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,492
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,253
−HK$774/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,611
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,247
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,977
−HK$742/mo
Today · 4.125%
HK$28,719
baseline
▲ 0.50% · 4.625%
HK$30,233
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,438/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,574
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$29,462
−HK$903/mo
Today · 4.125%
HK$30,365
baseline
▲ 0.50% · 4.625%
HK$32,213
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,730/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,788
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,640
−HK$865/mo
Today · 4.125%
HK$33,505
baseline
▲ 0.50% · 4.625%
HK$35,271
+HK$1,766/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,010/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,737
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,880
−HK$1,161/mo
Today · 4.125%
HK$39,041
baseline
▲ 0.50% · 4.625%
HK$41,417
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,082/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,870
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,966
−HK$1,112/mo
Today · 4.125%
HK$43,078
baseline
▲ 0.50% · 4.625%
HK$45,349
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,156/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,519 · 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).