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$20,444
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,080
−HK$646/mo
Today · 4.125%
HK$21,726
baseline
▲ 0.50% · 4.625%
HK$23,048
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,452/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,744
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,354
−HK$618/mo
Today · 4.125%
HK$23,972
baseline
▲ 0.50% · 4.625%
HK$25,236
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,944/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,533
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,296
−HK$775/mo
Today · 4.125%
HK$26,071
baseline
▲ 0.50% · 4.625%
HK$27,657
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,142/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,292
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,024
−HK$743/mo
Today · 4.125%
HK$28,767
baseline
▲ 0.50% · 4.625%
HK$30,283
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,534/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,621
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,512
−HK$904/mo
Today · 4.125%
HK$30,416
baseline
▲ 0.50% · 4.625%
HK$32,267
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,832/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,841
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,695
−HK$866/mo
Today · 4.125%
HK$33,561
baseline
▲ 0.50% · 4.625%
HK$35,330
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,122/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,799
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,944
−HK$1,163/mo
Today · 4.125%
HK$39,107
baseline
▲ 0.50% · 4.625%
HK$41,486
+HK$2,379/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,214/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,939
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,036
−HK$1,114/mo
Today · 4.125%
HK$43,150
baseline
▲ 0.50% · 4.625%
HK$45,425
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,300/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,969 · 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).