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$20,409
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,044
−HK$645/mo
Today · 4.125%
HK$21,689
baseline
▲ 0.50% · 4.625%
HK$23,008
+HK$1,319/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,378/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,705
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$23,314
−HK$617/mo
Today · 4.125%
HK$23,931
baseline
▲ 0.50% · 4.625%
HK$25,193
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,862/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$268,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,491
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,252
−HK$774/mo
Today · 4.125%
HK$26,026
baseline
▲ 0.50% · 4.625%
HK$27,610
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,052/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,246
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,976
−HK$742/mo
Today · 4.125%
HK$28,718
baseline
▲ 0.50% · 4.625%
HK$30,231
+HK$1,513/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,436/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,572
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$29,461
−HK$903/mo
Today · 4.125%
HK$30,364
baseline
▲ 0.50% · 4.625%
HK$32,212
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,728/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,787
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$865/mo
Today · 4.125%
HK$33,504
baseline
▲ 0.50% · 4.625%
HK$35,270
+HK$1,766/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,008/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,736
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,161/mo
Today · 4.125%
HK$39,040
baseline
▲ 0.50% · 4.625%
HK$41,415
+HK$2,375/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,080/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,868
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,964
−HK$1,112/mo
Today · 4.125%
HK$43,076
baseline
▲ 0.50% · 4.625%
HK$45,347
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,152/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,508 · 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).