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$20,411
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,046
−HK$645/mo
Today · 4.125%
HK$21,691
baseline
▲ 0.50% · 4.625%
HK$23,011
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,382/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,707
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,316
−HK$618/mo
Today · 4.125%
HK$23,934
baseline
▲ 0.50% · 4.625%
HK$25,196
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,868/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,494
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,255
−HK$774/mo
Today · 4.125%
HK$26,029
baseline
▲ 0.50% · 4.625%
HK$27,613
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,058/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,249
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,980
−HK$741/mo
Today · 4.125%
HK$28,721
baseline
▲ 0.50% · 4.625%
HK$30,235
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,442/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,576
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,465
−HK$903/mo
Today · 4.125%
HK$30,368
baseline
▲ 0.50% · 4.625%
HK$32,216
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,736/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,790
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,643
−HK$865/mo
Today · 4.125%
HK$33,508
baseline
▲ 0.50% · 4.625%
HK$35,274
+HK$1,766/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,016/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,740
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,883
−HK$1,161/mo
Today · 4.125%
HK$39,044
baseline
▲ 0.50% · 4.625%
HK$41,420
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,088/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,873
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,969
−HK$1,112/mo
Today · 4.125%
HK$43,081
baseline
▲ 0.50% · 4.625%
HK$45,352
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,162/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,539 · 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).