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$20,434
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,070
−HK$646/mo
Today · 4.125%
HK$21,716
baseline
▲ 0.50% · 4.625%
HK$23,037
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,432/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,733
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,343
−HK$618/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,224
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,922/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,521
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,284
−HK$775/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,645
+HK$1,586/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,280
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,011
−HK$743/mo
Today · 4.125%
HK$28,754
baseline
▲ 0.50% · 4.625%
HK$30,269
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,508/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,608
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,498
−HK$904/mo
Today · 4.125%
HK$30,402
baseline
▲ 0.50% · 4.625%
HK$32,252
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,804/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,826
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,680
−HK$866/mo
Today · 4.125%
HK$33,546
baseline
▲ 0.50% · 4.625%
HK$35,314
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,092/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,782
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,926
−HK$1,163/mo
Today · 4.125%
HK$39,089
baseline
▲ 0.50% · 4.625%
HK$41,467
+HK$2,378/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,178/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,920
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,017
−HK$1,113/mo
Today · 4.125%
HK$43,130
baseline
▲ 0.50% · 4.625%
HK$45,404
+HK$2,274/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,260/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,845 · 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).