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$20,443
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,079
−HK$646/mo
Today · 4.125%
HK$21,725
baseline
▲ 0.50% · 4.625%
HK$23,046
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,450/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,742
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,352
−HK$619/mo
Today · 4.125%
HK$23,971
baseline
▲ 0.50% · 4.625%
HK$25,234
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,942/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,531
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,294
−HK$775/mo
Today · 4.125%
HK$26,069
baseline
▲ 0.50% · 4.625%
HK$27,656
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,138/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,291
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,023
−HK$742/mo
Today · 4.125%
HK$28,765
baseline
▲ 0.50% · 4.625%
HK$30,281
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,530/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,620
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,510
−HK$904/mo
Today · 4.125%
HK$30,414
baseline
▲ 0.50% · 4.625%
HK$32,265
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,828/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,839
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,693
−HK$866/mo
Today · 4.125%
HK$33,559
baseline
▲ 0.50% · 4.625%
HK$35,328
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,118/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,797
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,941
−HK$1,163/mo
Today · 4.125%
HK$39,104
baseline
▲ 0.50% · 4.625%
HK$41,484
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,208/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,936
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,034
−HK$1,114/mo
Today · 4.125%
HK$43,148
baseline
▲ 0.50% · 4.625%
HK$45,422
+HK$2,274/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,296/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,952 · 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).