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$20,426
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,061
−HK$646/mo
Today · 4.125%
HK$21,707
baseline
▲ 0.50% · 4.625%
HK$23,027
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,414/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,723
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,333
−HK$618/mo
Today · 4.125%
HK$23,951
baseline
▲ 0.50% · 4.625%
HK$25,214
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,902/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,511
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$775/mo
Today · 4.125%
HK$26,048
baseline
▲ 0.50% · 4.625%
HK$27,633
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,096/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,268
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,999
−HK$742/mo
Today · 4.125%
HK$28,741
baseline
▲ 0.50% · 4.625%
HK$30,256
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,482/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,596
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,486
−HK$903/mo
Today · 4.125%
HK$30,389
baseline
▲ 0.50% · 4.625%
HK$32,238
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,778/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,813
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,666
−HK$866/mo
Today · 4.125%
HK$33,532
baseline
▲ 0.50% · 4.625%
HK$35,299
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,064/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,766
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,910
−HK$1,162/mo
Today · 4.125%
HK$39,072
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,377/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,144/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,902
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,999
−HK$1,113/mo
Today · 4.125%
HK$43,112
baseline
▲ 0.50% · 4.625%
HK$45,384
+HK$2,272/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,224/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,730 · 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).