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$20,432
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,067
−HK$646/mo
Today · 4.125%
HK$21,713
baseline
▲ 0.50% · 4.625%
HK$23,034
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,426/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,730
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$618/mo
Today · 4.125%
HK$23,958
baseline
▲ 0.50% · 4.625%
HK$25,221
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,916/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,518
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,281
−HK$775/mo
Today · 4.125%
HK$26,056
baseline
▲ 0.50% · 4.625%
HK$27,641
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,112/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,276
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$742/mo
Today · 4.125%
HK$28,750
baseline
▲ 0.50% · 4.625%
HK$30,265
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,500/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,604
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,494
−HK$904/mo
Today · 4.125%
HK$30,398
baseline
▲ 0.50% · 4.625%
HK$32,248
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,796/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,822
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,676
−HK$865/mo
Today · 4.125%
HK$33,541
baseline
▲ 0.50% · 4.625%
HK$35,309
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,082/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,777
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,162/mo
Today · 4.125%
HK$39,083
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,379/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,166/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,914
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,012
−HK$1,113/mo
Today · 4.125%
HK$43,125
baseline
▲ 0.50% · 4.625%
HK$45,398
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,250/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,809 · 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).