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$20,453
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,089
−HK$646/mo
Today · 4.125%
HK$21,735
baseline
▲ 0.50% · 4.625%
HK$23,058
+HK$1,323/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,470/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,753
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,363
−HK$619/mo
Today · 4.125%
HK$23,982
baseline
▲ 0.50% · 4.625%
HK$25,247
+HK$1,265/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,964/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,543
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$776/mo
Today · 4.125%
HK$26,082
baseline
▲ 0.50% · 4.625%
HK$27,669
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,164/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,304
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,036
−HK$743/mo
Today · 4.125%
HK$28,779
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,558/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,634
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,524
−HK$905/mo
Today · 4.125%
HK$30,429
baseline
▲ 0.50% · 4.625%
HK$32,281
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,858/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,854
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,709
−HK$866/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,345
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,815
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,960
−HK$1,163/mo
Today · 4.125%
HK$39,123
baseline
▲ 0.50% · 4.625%
HK$41,504
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,246/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,956
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,054
−HK$1,114/mo
Today · 4.125%
HK$43,168
baseline
▲ 0.50% · 4.625%
HK$45,444
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,336/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,082 · 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).