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$20,428
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,064
−HK$645/mo
Today · 4.125%
HK$21,709
baseline
▲ 0.50% · 4.625%
HK$23,030
+HK$1,321/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,418/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,726
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,336
−HK$618/mo
Today · 4.125%
HK$23,954
baseline
▲ 0.50% · 4.625%
HK$25,217
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,908/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,514
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$774/mo
Today · 4.125%
HK$26,051
baseline
▲ 0.50% · 4.625%
HK$27,636
+HK$1,585/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$52,102/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,272
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$28,003
−HK$742/mo
Today · 4.125%
HK$28,745
baseline
▲ 0.50% · 4.625%
HK$30,260
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.38M · min. income ≈ HK$57,490/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,600
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,489
−HK$904/mo
Today · 4.125%
HK$30,393
baseline
▲ 0.50% · 4.625%
HK$32,242
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,786/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,817
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,670
−HK$866/mo
Today · 4.125%
HK$33,536
baseline
▲ 0.50% · 4.625%
HK$35,304
+HK$1,768/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,072/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,771
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,915
−HK$1,162/mo
Today · 4.125%
HK$39,077
baseline
▲ 0.50% · 4.625%
HK$41,455
+HK$2,378/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,154/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,907
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,004
−HK$1,113/mo
Today · 4.125%
HK$43,117
baseline
▲ 0.50% · 4.625%
HK$45,390
+HK$2,273/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,234/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,764 · 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).