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$20,431
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,066
−HK$646/mo
Today · 4.125%
HK$21,712
baseline
▲ 0.50% · 4.625%
HK$23,033
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,424/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,729
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,339
−HK$618/mo
Today · 4.125%
HK$23,957
baseline
▲ 0.50% · 4.625%
HK$25,220
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,914/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,517
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,280
−HK$774/mo
Today · 4.125%
HK$26,054
baseline
▲ 0.50% · 4.625%
HK$27,640
+HK$1,586/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,108/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,275
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,006
−HK$742/mo
Today · 4.125%
HK$28,748
baseline
▲ 0.50% · 4.625%
HK$30,264
+HK$1,516/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,496/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,603
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,493
−HK$904/mo
Today · 4.125%
HK$30,397
baseline
▲ 0.50% · 4.625%
HK$32,246
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,794/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,821
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,674
−HK$866/mo
Today · 4.125%
HK$33,540
baseline
▲ 0.50% · 4.625%
HK$35,308
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,080/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,775
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,919
−HK$1,163/mo
Today · 4.125%
HK$39,082
baseline
▲ 0.50% · 4.625%
HK$41,460
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,164/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,912
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,009
−HK$1,114/mo
Today · 4.125%
HK$43,123
baseline
▲ 0.50% · 4.625%
HK$45,396
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,246/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,796 · 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).