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$20,476
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,113
−HK$647/mo
Today · 4.125%
HK$21,760
baseline
▲ 0.50% · 4.625%
HK$23,084
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,520/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,780
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,390
−HK$620/mo
Today · 4.125%
HK$24,010
baseline
▲ 0.50% · 4.625%
HK$25,276
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,020/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,571
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,336
−HK$776/mo
Today · 4.125%
HK$26,112
baseline
▲ 0.50% · 4.625%
HK$27,701
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,224/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,335
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,069
−HK$743/mo
Today · 4.125%
HK$28,812
baseline
▲ 0.50% · 4.625%
HK$30,331
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,624/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,667
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,558
−HK$906/mo
Today · 4.125%
HK$30,464
baseline
▲ 0.50% · 4.625%
HK$32,318
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,928/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,891
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,747
−HK$867/mo
Today · 4.125%
HK$33,614
baseline
▲ 0.50% · 4.625%
HK$35,386
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,228/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,857
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,004
−HK$1,164/mo
Today · 4.125%
HK$39,168
baseline
▲ 0.50% · 4.625%
HK$41,552
+HK$2,384/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,336/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,003
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,103
−HK$1,115/mo
Today · 4.125%
HK$43,218
baseline
▲ 0.50% · 4.625%
HK$45,497
+HK$2,279/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,436/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,394 · 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).