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$20,420
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,055
−HK$645/mo
Today · 4.125%
HK$21,700
baseline
▲ 0.50% · 4.625%
HK$23,021
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,400/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,717
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,326
−HK$618/mo
Today · 4.125%
HK$23,944
baseline
▲ 0.50% · 4.625%
HK$25,206
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,888/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,504
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,266
−HK$774/mo
Today · 4.125%
HK$26,040
baseline
▲ 0.50% · 4.625%
HK$27,625
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,080/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,260
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,991
−HK$742/mo
Today · 4.125%
HK$28,733
baseline
▲ 0.50% · 4.625%
HK$30,248
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,466/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,588
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,477
−HK$904/mo
Today · 4.125%
HK$30,381
baseline
▲ 0.50% · 4.625%
HK$32,229
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,762/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,804
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,657
−HK$865/mo
Today · 4.125%
HK$33,522
baseline
▲ 0.50% · 4.625%
HK$35,289
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,044/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,756
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,899
−HK$1,162/mo
Today · 4.125%
HK$39,061
baseline
▲ 0.50% · 4.625%
HK$41,437
+HK$2,376/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,122/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,890
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,987
−HK$1,113/mo
Today · 4.125%
HK$43,100
baseline
▲ 0.50% · 4.625%
HK$45,371
+HK$2,271/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,200/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,653 · 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).