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$20,441
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,076
−HK$646/mo
Today · 4.125%
HK$21,722
baseline
▲ 0.50% · 4.625%
HK$23,044
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,444/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,740
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,350
−HK$619/mo
Today · 4.125%
HK$23,969
baseline
▲ 0.50% · 4.625%
HK$25,232
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,938/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,529
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,292
−HK$775/mo
Today · 4.125%
HK$26,067
baseline
▲ 0.50% · 4.625%
HK$27,653
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,134/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,288
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,020
−HK$742/mo
Today · 4.125%
HK$28,762
baseline
▲ 0.50% · 4.625%
HK$30,278
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,524/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,617
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,507
−HK$904/mo
Today · 4.125%
HK$30,411
baseline
▲ 0.50% · 4.625%
HK$32,262
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,822/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,836
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,690
−HK$866/mo
Today · 4.125%
HK$33,556
baseline
▲ 0.50% · 4.625%
HK$35,325
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,112/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,793
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,938
−HK$1,162/mo
Today · 4.125%
HK$39,100
baseline
▲ 0.50% · 4.625%
HK$41,480
+HK$2,380/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,200/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,932
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,030
−HK$1,113/mo
Today · 4.125%
HK$43,143
baseline
▲ 0.50% · 4.625%
HK$45,418
+HK$2,275/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,286/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,926 · 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).