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$20,435
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,071
−HK$646/mo
Today · 4.125%
HK$21,717
baseline
▲ 0.50% · 4.625%
HK$23,038
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,434/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,734
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,344
−HK$619/mo
Today · 4.125%
HK$23,963
baseline
▲ 0.50% · 4.625%
HK$25,226
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,926/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,523
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,285
−HK$775/mo
Today · 4.125%
HK$26,060
baseline
▲ 0.50% · 4.625%
HK$27,646
+HK$1,586/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,120/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,281
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,013
−HK$742/mo
Today · 4.125%
HK$28,755
baseline
▲ 0.50% · 4.625%
HK$30,271
+HK$1,516/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,510/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,610
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,500
−HK$904/mo
Today · 4.125%
HK$30,404
baseline
▲ 0.50% · 4.625%
HK$32,254
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,808/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,828
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,682
−HK$866/mo
Today · 4.125%
HK$33,548
baseline
▲ 0.50% · 4.625%
HK$35,316
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,096/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,784
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,928
−HK$1,163/mo
Today · 4.125%
HK$39,091
baseline
▲ 0.50% · 4.625%
HK$41,469
+HK$2,378/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,182/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,922
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,019
−HK$1,114/mo
Today · 4.125%
HK$43,133
baseline
▲ 0.50% · 4.625%
HK$45,406
+HK$2,273/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,266/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,858 · 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).