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$20,423
−HK$1,280/mo
▼ 0.25% · 3.875%
HK$21,058
−HK$645/mo
Today · 4.125%
HK$21,703
baseline
▲ 0.50% · 4.625%
HK$23,024
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,406/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,720
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,329
−HK$618/mo
Today · 4.125%
HK$23,947
baseline
▲ 0.50% · 4.625%
HK$25,210
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,894/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,507
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,269
−HK$775/mo
Today · 4.125%
HK$26,044
baseline
▲ 0.50% · 4.625%
HK$27,629
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,088/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,264
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,995
−HK$742/mo
Today · 4.125%
HK$28,737
baseline
▲ 0.50% · 4.625%
HK$30,252
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,474/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,592
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,481
−HK$904/mo
Today · 4.125%
HK$30,385
baseline
▲ 0.50% · 4.625%
HK$32,233
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,770/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,808
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,661
−HK$865/mo
Today · 4.125%
HK$33,526
baseline
▲ 0.50% · 4.625%
HK$35,294
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,052/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,761
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,162/mo
Today · 4.125%
HK$39,066
baseline
▲ 0.50% · 4.625%
HK$41,443
+HK$2,377/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,132/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,896
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,993
−HK$1,112/mo
Today · 4.125%
HK$43,105
baseline
▲ 0.50% · 4.625%
HK$45,377
+HK$2,272/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,210/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,688 · 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).