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$20,436
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,072
−HK$646/mo
Today · 4.125%
HK$21,718
baseline
▲ 0.50% · 4.625%
HK$23,039
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,436/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,735
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,345
−HK$618/mo
Today · 4.125%
HK$23,963
baseline
▲ 0.50% · 4.625%
HK$25,226
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,926/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,523
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,286
−HK$775/mo
Today · 4.125%
HK$26,061
baseline
▲ 0.50% · 4.625%
HK$27,647
+HK$1,586/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,122/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,282
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,014
−HK$742/mo
Today · 4.125%
HK$28,756
baseline
▲ 0.50% · 4.625%
HK$30,272
+HK$1,516/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,512/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,611
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,501
−HK$904/mo
Today · 4.125%
HK$30,405
baseline
▲ 0.50% · 4.625%
HK$32,255
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,810/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,829
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,683
−HK$866/mo
Today · 4.125%
HK$33,549
baseline
▲ 0.50% · 4.625%
HK$35,317
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,098/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,785
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,929
−HK$1,163/mo
Today · 4.125%
HK$39,092
baseline
▲ 0.50% · 4.625%
HK$41,471
+HK$2,379/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,184/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,923
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,021
−HK$1,113/mo
Today · 4.125%
HK$43,134
baseline
▲ 0.50% · 4.625%
HK$45,408
+HK$2,274/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,268/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,867 · 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).