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$20,452
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,088
−HK$647/mo
Today · 4.125%
HK$21,735
baseline
▲ 0.50% · 4.625%
HK$23,057
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,470/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,753
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,363
−HK$619/mo
Today · 4.125%
HK$23,982
baseline
▲ 0.50% · 4.625%
HK$25,246
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,964/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,543
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$776/mo
Today · 4.125%
HK$26,082
baseline
▲ 0.50% · 4.625%
HK$27,669
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,164/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,303
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,036
−HK$743/mo
Today · 4.125%
HK$28,779
baseline
▲ 0.50% · 4.625%
HK$30,295
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,558/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,633
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,524
−HK$905/mo
Today · 4.125%
HK$30,429
baseline
▲ 0.50% · 4.625%
HK$32,280
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,858/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,854
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,708
−HK$867/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,345
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,814
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,959
−HK$1,163/mo
Today · 4.125%
HK$39,122
baseline
▲ 0.50% · 4.625%
HK$41,503
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,244/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,955
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,053
−HK$1,115/mo
Today · 4.125%
HK$43,168
baseline
▲ 0.50% · 4.625%
HK$45,443
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,336/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,078 · 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).