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$20,449
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,085
−HK$647/mo
Today · 4.125%
HK$21,732
baseline
▲ 0.50% · 4.625%
HK$23,054
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,464/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,750
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,360
−HK$619/mo
Today · 4.125%
HK$23,979
baseline
▲ 0.50% · 4.625%
HK$25,243
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,958/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,539
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,302
−HK$776/mo
Today · 4.125%
HK$26,078
baseline
▲ 0.50% · 4.625%
HK$27,665
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,156/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,299
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,032
−HK$742/mo
Today · 4.125%
HK$28,774
baseline
▲ 0.50% · 4.625%
HK$30,291
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,548/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,629
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,519
−HK$905/mo
Today · 4.125%
HK$30,424
baseline
▲ 0.50% · 4.625%
HK$32,275
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,848/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,849
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$866/mo
Today · 4.125%
HK$33,570
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,140/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,809
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,954
−HK$1,163/mo
Today · 4.125%
HK$39,117
baseline
▲ 0.50% · 4.625%
HK$41,497
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,234/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,949
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,047
−HK$1,115/mo
Today · 4.125%
HK$43,162
baseline
▲ 0.50% · 4.625%
HK$45,437
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,324/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,039 · 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).