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$20,430
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,065
−HK$646/mo
Today · 4.125%
HK$21,711
baseline
▲ 0.50% · 4.625%
HK$23,032
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,422/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,728
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,337
−HK$619/mo
Today · 4.125%
HK$23,956
baseline
▲ 0.50% · 4.625%
HK$25,218
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,912/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,516
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,278
−HK$775/mo
Today · 4.125%
HK$26,053
baseline
▲ 0.50% · 4.625%
HK$27,638
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,106/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,273
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,005
−HK$742/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,262
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,602
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,491
−HK$904/mo
Today · 4.125%
HK$30,395
baseline
▲ 0.50% · 4.625%
HK$32,245
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,790/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,819
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,672
−HK$866/mo
Today · 4.125%
HK$33,538
baseline
▲ 0.50% · 4.625%
HK$35,306
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,076/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,773
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,162/mo
Today · 4.125%
HK$39,079
baseline
▲ 0.50% · 4.625%
HK$41,457
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,158/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,910
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,007
−HK$1,113/mo
Today · 4.125%
HK$43,120
baseline
▲ 0.50% · 4.625%
HK$45,393
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,240/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,782 · 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).