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$1,281/mo
▼ 0.25% · 3.875%
HK$21,074
−HK$645/mo
Today · 4.125%
HK$21,719
baseline
▲ 0.50% · 4.625%
HK$23,041
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,438/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,737
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,347
−HK$618/mo
Today · 4.125%
HK$23,965
baseline
▲ 0.50% · 4.625%
HK$25,228
+HK$1,263/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,930/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,525
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$25,288
−HK$775/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,649
+HK$1,586/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,126/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,284
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,016
−HK$742/mo
Today · 4.125%
HK$28,758
baseline
▲ 0.50% · 4.625%
HK$30,274
+HK$1,516/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,516/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,613
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$29,503
−HK$904/mo
Today · 4.125%
HK$30,407
baseline
▲ 0.50% · 4.625%
HK$32,257
+HK$1,850/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,814/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,832
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,685
−HK$866/mo
Today · 4.125%
HK$33,551
baseline
▲ 0.50% · 4.625%
HK$35,320
+HK$1,769/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,102/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,788
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,932
−HK$1,163/mo
Today · 4.125%
HK$39,095
baseline
▲ 0.50% · 4.625%
HK$41,474
+HK$2,379/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$78,190/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,926
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,024
−HK$1,113/mo
Today · 4.125%
HK$43,137
baseline
▲ 0.50% · 4.625%
HK$45,411
+HK$2,274/mo
Deposit HK$896K · loan HK$8.07M · min. income ≈ HK$86,274/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$268,888 · 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).