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$20,451
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,088
−HK$646/mo
Today · 4.125%
HK$21,734
baseline
▲ 0.50% · 4.625%
HK$23,056
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,468/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,752
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,362
−HK$619/mo
Today · 4.125%
HK$23,981
baseline
▲ 0.50% · 4.625%
HK$25,245
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,962/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,542
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,305
−HK$776/mo
Today · 4.125%
HK$26,081
baseline
▲ 0.50% · 4.625%
HK$27,668
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,162/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,302
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,035
−HK$742/mo
Today · 4.125%
HK$28,777
baseline
▲ 0.50% · 4.625%
HK$30,294
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,554/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,632
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,523
−HK$904/mo
Today · 4.125%
HK$30,427
baseline
▲ 0.50% · 4.625%
HK$32,279
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,854/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,853
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,707
−HK$867/mo
Today · 4.125%
HK$33,574
baseline
▲ 0.50% · 4.625%
HK$35,343
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,148/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,813
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,958
−HK$1,163/mo
Today · 4.125%
HK$39,121
baseline
▲ 0.50% · 4.625%
HK$41,501
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,242/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,954
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,052
−HK$1,114/mo
Today · 4.125%
HK$43,166
baseline
▲ 0.50% · 4.625%
HK$45,442
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,332/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,068 · 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).