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$20,425
−HK$1,281/mo
▼ 0.25% · 3.875%
HK$21,060
−HK$646/mo
Today · 4.125%
HK$21,706
baseline
▲ 0.50% · 4.625%
HK$23,026
+HK$1,320/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,412/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,722
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$23,332
−HK$618/mo
Today · 4.125%
HK$23,950
baseline
▲ 0.50% · 4.625%
HK$25,212
+HK$1,262/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,900/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$268,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,510
−HK$1,537/mo
▼ 0.25% · 3.875%
HK$25,272
−HK$775/mo
Today · 4.125%
HK$26,047
baseline
▲ 0.50% · 4.625%
HK$27,631
+HK$1,584/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$52,094/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,267
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$27,998
−HK$742/mo
Today · 4.125%
HK$28,740
baseline
▲ 0.50% · 4.625%
HK$30,255
+HK$1,515/mo
Deposit HK$3.58M · loan HK$5.37M · min. income ≈ HK$57,480/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$268,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,595
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$29,484
−HK$904/mo
Today · 4.125%
HK$30,388
baseline
▲ 0.50% · 4.625%
HK$32,237
+HK$1,849/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$60,776/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,811
−HK$1,719/mo
▼ 0.25% · 3.875%
HK$32,664
−HK$866/mo
Today · 4.125%
HK$33,530
baseline
▲ 0.50% · 4.625%
HK$35,297
+HK$1,767/mo
Deposit HK$2.69M · loan HK$6.27M · min. income ≈ HK$67,060/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$268,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,764
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,908
−HK$1,162/mo
Today · 4.125%
HK$39,070
baseline
▲ 0.50% · 4.625%
HK$41,447
+HK$2,377/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$78,140/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,900
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,997
−HK$1,113/mo
Today · 4.125%
HK$43,110
baseline
▲ 0.50% · 4.625%
HK$45,382
+HK$2,272/mo
Deposit HK$896K · loan HK$8.06M · min. income ≈ HK$86,220/mo (50% DSR)
Upfront cash ≈ HK$1.16M (deposit + AVD stamp duty HK$268,716 · 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).