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$21,068
−HK$645/mo
Today · 4.125%
HK$21,713
baseline
▲ 0.50% · 4.625%
HK$23,035
+HK$1,322/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$268,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,731
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,340
−HK$619/mo
Today · 4.125%
HK$23,959
baseline
▲ 0.50% · 4.625%
HK$25,222
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,918/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,519
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,281
−HK$775/mo
Today · 4.125%
HK$26,056
baseline
▲ 0.50% · 4.625%
HK$27,642
+HK$1,586/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$268,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,277
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,008
−HK$742/mo
Today · 4.125%
HK$28,750
baseline
▲ 0.50% · 4.625%
HK$30,266
+HK$1,516/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$268,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,605
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,495
−HK$904/mo
Today · 4.125%
HK$30,399
baseline
▲ 0.50% · 4.625%
HK$32,248
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,798/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,823
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,676
−HK$866/mo
Today · 4.125%
HK$33,542
baseline
▲ 0.50% · 4.625%
HK$35,310
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,084/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,778
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,922
−HK$1,162/mo
Today · 4.125%
HK$39,084
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,168/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,915
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,012
−HK$1,114/mo
Today · 4.125%
HK$43,126
baseline
▲ 0.50% · 4.625%
HK$45,399
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,252/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,814 · 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).