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$20,417
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,053
−HK$645/mo
Today · 4.125%
HK$21,698
baseline
▲ 0.50% · 4.625%
HK$23,018
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,396/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,714
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$23,323
−HK$618/mo
Today · 4.125%
HK$23,941
baseline
▲ 0.50% · 4.625%
HK$25,203
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,882/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,501
−HK$1,536/mo
▼ 0.25% · 3.875%
HK$25,263
−HK$774/mo
Today · 4.125%
HK$26,037
baseline
▲ 0.50% · 4.625%
HK$27,622
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,074/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,257
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,988
−HK$742/mo
Today · 4.125%
HK$28,730
baseline
▲ 0.50% · 4.625%
HK$30,244
+HK$1,514/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,460/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,584
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,474
−HK$903/mo
Today · 4.125%
HK$30,377
baseline
▲ 0.50% · 4.625%
HK$32,225
+HK$1,848/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,754/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,800
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$32,653
−HK$865/mo
Today · 4.125%
HK$33,518
baseline
▲ 0.50% · 4.625%
HK$35,285
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,036/mo (50% DSR)
Upfront cash ≈ HK$2.95M (deposit + AVD stamp duty HK$268,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,751
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,895
−HK$1,161/mo
Today · 4.125%
HK$39,056
baseline
▲ 0.50% · 4.625%
HK$41,433
+HK$2,377/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$78,112/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,886
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,982
−HK$1,113/mo
Today · 4.125%
HK$43,095
baseline
▲ 0.50% · 4.625%
HK$45,366
+HK$2,271/mo
Deposit HK$895K · loan HK$8.06M · min. income ≈ HK$86,190/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,621 · 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).