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$20,430
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$646/mo
Today · 4.125%
HK$21,712
baseline
▲ 0.50% · 4.625%
HK$23,033
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,424/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,729
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,338
−HK$619/mo
Today · 4.125%
HK$23,957
baseline
▲ 0.50% · 4.625%
HK$25,219
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,914/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,516
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,279
−HK$775/mo
Today · 4.125%
HK$26,054
baseline
▲ 0.50% · 4.625%
HK$27,639
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,108/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,274
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$742/mo
Today · 4.125%
HK$28,748
baseline
▲ 0.50% · 4.625%
HK$30,263
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,496/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,603
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,492
−HK$904/mo
Today · 4.125%
HK$30,396
baseline
▲ 0.50% · 4.625%
HK$32,246
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,792/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,820
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,673
−HK$866/mo
Today · 4.125%
HK$33,539
baseline
▲ 0.50% · 4.625%
HK$35,307
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,078/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,775
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,919
−HK$1,162/mo
Today · 4.125%
HK$39,081
baseline
▲ 0.50% · 4.625%
HK$41,459
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,162/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,911
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,009
−HK$1,113/mo
Today · 4.125%
HK$43,122
baseline
▲ 0.50% · 4.625%
HK$45,395
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,244/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,791 · 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).