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$20,421
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,057
−HK$645/mo
Today · 4.125%
HK$21,702
baseline
▲ 0.50% · 4.625%
HK$23,023
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,404/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,719
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,328
−HK$618/mo
Today · 4.125%
HK$23,946
baseline
▲ 0.50% · 4.625%
HK$25,208
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,892/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,506
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$774/mo
Today · 4.125%
HK$26,042
baseline
▲ 0.50% · 4.625%
HK$27,627
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,084/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,262
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,994
−HK$741/mo
Today · 4.125%
HK$28,735
baseline
▲ 0.50% · 4.625%
HK$30,250
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,470/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,590
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,479
−HK$904/mo
Today · 4.125%
HK$30,383
baseline
▲ 0.50% · 4.625%
HK$32,232
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,766/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,806
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,659
−HK$866/mo
Today · 4.125%
HK$33,525
baseline
▲ 0.50% · 4.625%
HK$35,292
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,050/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,759
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,902
−HK$1,162/mo
Today · 4.125%
HK$39,064
baseline
▲ 0.50% · 4.625%
HK$41,441
+HK$2,377/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,128/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,894
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,990
−HK$1,113/mo
Today · 4.125%
HK$43,103
baseline
▲ 0.50% · 4.625%
HK$45,375
+HK$2,272/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,206/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,674 · 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).