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$20,440
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,075
−HK$646/mo
Today · 4.125%
HK$21,721
baseline
▲ 0.50% · 4.625%
HK$23,043
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,442/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,739
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,349
−HK$618/mo
Today · 4.125%
HK$23,967
baseline
▲ 0.50% · 4.625%
HK$25,231
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,934/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,528
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,291
−HK$775/mo
Today · 4.125%
HK$26,066
baseline
▲ 0.50% · 4.625%
HK$27,652
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,132/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,287
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,019
−HK$742/mo
Today · 4.125%
HK$28,761
baseline
▲ 0.50% · 4.625%
HK$30,277
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,522/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,616
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,506
−HK$904/mo
Today · 4.125%
HK$30,410
baseline
▲ 0.50% · 4.625%
HK$32,260
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,820/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,834
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,688
−HK$866/mo
Today · 4.125%
HK$33,554
baseline
▲ 0.50% · 4.625%
HK$35,323
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,108/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,791
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,936
−HK$1,163/mo
Today · 4.125%
HK$39,099
baseline
▲ 0.50% · 4.625%
HK$41,478
+HK$2,379/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,198/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,930
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,028
−HK$1,113/mo
Today · 4.125%
HK$43,141
baseline
▲ 0.50% · 4.625%
HK$45,415
+HK$2,274/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,282/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,913 · 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).