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$1,281/mo
▼ 0.25% · 3.875%
HK$21,069
−HK$646/mo
Today · 4.125%
HK$21,715
baseline
▲ 0.50% · 4.625%
HK$23,036
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,430/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,732
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,342
−HK$619/mo
Today · 4.125%
HK$23,961
baseline
▲ 0.50% · 4.625%
HK$25,223
+HK$1,262/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$268,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,521
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,283
−HK$775/mo
Today · 4.125%
HK$26,058
baseline
▲ 0.50% · 4.625%
HK$27,644
+HK$1,586/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,116/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,279
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,010
−HK$743/mo
Today · 4.125%
HK$28,753
baseline
▲ 0.50% · 4.625%
HK$30,268
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,506/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,607
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,497
−HK$904/mo
Today · 4.125%
HK$30,401
baseline
▲ 0.50% · 4.625%
HK$32,251
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,802/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,825
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,679
−HK$866/mo
Today · 4.125%
HK$33,545
baseline
▲ 0.50% · 4.625%
HK$35,313
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,090/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,781
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,925
−HK$1,162/mo
Today · 4.125%
HK$39,087
baseline
▲ 0.50% · 4.625%
HK$41,466
+HK$2,379/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,174/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,918
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,016
−HK$1,113/mo
Today · 4.125%
HK$43,129
baseline
▲ 0.50% · 4.625%
HK$45,402
+HK$2,273/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,258/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,835 · 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).