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$20,438
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$646/mo
Today · 4.125%
HK$21,720
baseline
▲ 0.50% · 4.625%
HK$23,042
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,440/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,738
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$619/mo
Today · 4.125%
HK$23,966
baseline
▲ 0.50% · 4.625%
HK$25,229
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,932/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,526
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,289
−HK$775/mo
Today · 4.125%
HK$26,064
baseline
▲ 0.50% · 4.625%
HK$27,650
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,128/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,285
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,017
−HK$742/mo
Today · 4.125%
HK$28,759
baseline
▲ 0.50% · 4.625%
HK$30,275
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,518/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,614
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,504
−HK$904/mo
Today · 4.125%
HK$30,408
baseline
▲ 0.50% · 4.625%
HK$32,258
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,816/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,833
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,686
−HK$866/mo
Today · 4.125%
HK$33,552
baseline
▲ 0.50% · 4.625%
HK$35,321
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,104/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,789
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,934
−HK$1,162/mo
Today · 4.125%
HK$39,096
baseline
▲ 0.50% · 4.625%
HK$41,475
+HK$2,379/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,192/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,928
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,025
−HK$1,114/mo
Today · 4.125%
HK$43,139
baseline
▲ 0.50% · 4.625%
HK$45,413
+HK$2,274/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,278/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,897 · 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).