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$20,486
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,123
−HK$647/mo
Today · 4.125%
HK$21,770
baseline
▲ 0.50% · 4.625%
HK$23,095
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,540/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,790
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,401
−HK$620/mo
Today · 4.125%
HK$24,021
baseline
▲ 0.50% · 4.625%
HK$25,287
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,042/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,583
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,347
−HK$777/mo
Today · 4.125%
HK$26,124
baseline
▲ 0.50% · 4.625%
HK$27,714
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,248/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,348
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,081
−HK$745/mo
Today · 4.125%
HK$28,826
baseline
▲ 0.50% · 4.625%
HK$30,345
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,652/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,680
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,572
−HK$906/mo
Today · 4.125%
HK$30,478
baseline
▲ 0.50% · 4.625%
HK$32,333
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,956/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,906
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,762
−HK$868/mo
Today · 4.125%
HK$33,630
baseline
▲ 0.50% · 4.625%
HK$35,402
+HK$1,772/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,260/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,874
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,021
−HK$1,165/mo
Today · 4.125%
HK$39,186
baseline
▲ 0.50% · 4.625%
HK$41,571
+HK$2,385/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$78,372/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,022
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,122
−HK$1,116/mo
Today · 4.125%
HK$43,238
baseline
▲ 0.50% · 4.625%
HK$45,517
+HK$2,279/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$86,476/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,517 · 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).