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$20,441
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,077
−HK$646/mo
Today · 4.125%
HK$21,723
baseline
▲ 0.50% · 4.625%
HK$23,045
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,446/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,741
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,350
−HK$619/mo
Today · 4.125%
HK$23,969
baseline
▲ 0.50% · 4.625%
HK$25,233
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,938/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,529
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,292
−HK$776/mo
Today · 4.125%
HK$26,068
baseline
▲ 0.50% · 4.625%
HK$27,654
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,136/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,289
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,021
−HK$742/mo
Today · 4.125%
HK$28,763
baseline
▲ 0.50% · 4.625%
HK$30,279
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,526/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,618
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,508
−HK$904/mo
Today · 4.125%
HK$30,412
baseline
▲ 0.50% · 4.625%
HK$32,263
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,824/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,837
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,691
−HK$866/mo
Today · 4.125%
HK$33,557
baseline
▲ 0.50% · 4.625%
HK$35,326
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,114/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,794
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,939
−HK$1,162/mo
Today · 4.125%
HK$39,101
baseline
▲ 0.50% · 4.625%
HK$41,481
+HK$2,380/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,202/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,933
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,031
−HK$1,113/mo
Today · 4.125%
HK$43,144
baseline
▲ 0.50% · 4.625%
HK$45,419
+HK$2,275/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,288/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,933 · 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).