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$20,445
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,081
−HK$646/mo
Today · 4.125%
HK$21,727
baseline
▲ 0.50% · 4.625%
HK$23,049
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,454/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,745
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,355
−HK$619/mo
Today · 4.125%
HK$23,974
baseline
▲ 0.50% · 4.625%
HK$25,237
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,948/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,534
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,297
−HK$775/mo
Today · 4.125%
HK$26,072
baseline
▲ 0.50% · 4.625%
HK$27,659
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,144/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,294
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,026
−HK$742/mo
Today · 4.125%
HK$28,768
baseline
▲ 0.50% · 4.625%
HK$30,285
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,536/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$268,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,623
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,513
−HK$905/mo
Today · 4.125%
HK$30,418
baseline
▲ 0.50% · 4.625%
HK$32,269
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,836/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,720/mo
▼ 0.25% · 3.875%
HK$32,697
−HK$866/mo
Today · 4.125%
HK$33,563
baseline
▲ 0.50% · 4.625%
HK$35,332
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,126/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,801
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,946
−HK$1,163/mo
Today · 4.125%
HK$39,109
baseline
▲ 0.50% · 4.625%
HK$41,488
+HK$2,379/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,218/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,941
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,039
−HK$1,114/mo
Today · 4.125%
HK$43,153
baseline
▲ 0.50% · 4.625%
HK$45,427
+HK$2,274/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,306/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,983 · 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).