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$20,445
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,081
−HK$646/mo
Today · 4.125%
HK$21,727
baseline
▲ 0.50% · 4.625%
HK$23,049
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,454/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,745
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,355
−HK$619/mo
Today · 4.125%
HK$23,974
baseline
▲ 0.50% · 4.625%
HK$25,238
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,948/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,534
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,298
−HK$775/mo
Today · 4.125%
HK$26,073
baseline
▲ 0.50% · 4.625%
HK$27,659
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,146/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,294
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,026
−HK$743/mo
Today · 4.125%
HK$28,769
baseline
▲ 0.50% · 4.625%
HK$30,285
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,538/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,623
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,514
−HK$904/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,269
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,697
−HK$867/mo
Today · 4.125%
HK$33,564
baseline
▲ 0.50% · 4.625%
HK$35,333
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,128/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,802
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,946
−HK$1,163/mo
Today · 4.125%
HK$39,109
baseline
▲ 0.50% · 4.625%
HK$41,489
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,218/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,941
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,039
−HK$1,114/mo
Today · 4.125%
HK$43,153
baseline
▲ 0.50% · 4.625%
HK$45,428
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,306/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,987 · 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).