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$20,415
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,050
−HK$646/mo
Today · 4.125%
HK$21,696
baseline
▲ 0.50% · 4.625%
HK$23,016
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,392/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,712
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,321
−HK$618/mo
Today · 4.125%
HK$23,939
baseline
▲ 0.50% · 4.625%
HK$25,201
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,878/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,498
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,260
−HK$775/mo
Today · 4.125%
HK$26,035
baseline
▲ 0.50% · 4.625%
HK$27,619
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,070/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,254
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,985
−HK$742/mo
Today · 4.125%
HK$28,727
baseline
▲ 0.50% · 4.625%
HK$30,241
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,454/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,581
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,470
−HK$904/mo
Today · 4.125%
HK$30,374
baseline
▲ 0.50% · 4.625%
HK$32,222
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,748/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,797
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$32,649
−HK$865/mo
Today · 4.125%
HK$33,514
baseline
▲ 0.50% · 4.625%
HK$35,281
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,028/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,748
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,891
−HK$1,161/mo
Today · 4.125%
HK$39,052
baseline
▲ 0.50% · 4.625%
HK$41,428
+HK$2,376/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,104/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,881
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,978
−HK$1,112/mo
Today · 4.125%
HK$43,090
baseline
▲ 0.50% · 4.625%
HK$45,361
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,180/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,593 · 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).