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$20,440
−HK$1,282/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$268,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,739
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,349
−HK$619/mo
Today · 4.125%
HK$23,968
baseline
▲ 0.50% · 4.625%
HK$25,231
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,936/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,528
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,291
−HK$775/mo
Today · 4.125%
HK$26,066
baseline
▲ 0.50% · 4.625%
HK$27,652
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,132/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,287
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$743/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$268,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,616
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,506
−HK$905/mo
Today · 4.125%
HK$30,411
baseline
▲ 0.50% · 4.625%
HK$32,261
+HK$1,850/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$268,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,835
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,689
−HK$866/mo
Today · 4.125%
HK$33,555
baseline
▲ 0.50% · 4.625%
HK$35,324
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,110/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,792
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,937
−HK$1,162/mo
Today · 4.125%
HK$39,099
baseline
▲ 0.50% · 4.625%
HK$41,478
+HK$2,379/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,198/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,931
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,029
−HK$1,113/mo
Today · 4.125%
HK$43,142
baseline
▲ 0.50% · 4.625%
HK$45,416
+HK$2,274/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,284/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,919 · 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).