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$20,481
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,118
−HK$647/mo
Today · 4.125%
HK$21,765
baseline
▲ 0.50% · 4.625%
HK$23,089
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,530/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,785
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,396
−HK$620/mo
Today · 4.125%
HK$24,016
baseline
▲ 0.50% · 4.625%
HK$25,282
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,032/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,577
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,341
−HK$777/mo
Today · 4.125%
HK$26,118
baseline
▲ 0.50% · 4.625%
HK$27,707
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,236/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,342
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,075
−HK$744/mo
Today · 4.125%
HK$28,819
baseline
▲ 0.50% · 4.625%
HK$30,338
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,638/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,673
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,565
−HK$906/mo
Today · 4.125%
HK$30,471
baseline
▲ 0.50% · 4.625%
HK$32,325
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,942/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,899
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,754
−HK$868/mo
Today · 4.125%
HK$33,622
baseline
▲ 0.50% · 4.625%
HK$35,394
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,244/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,865
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,012
−HK$1,165/mo
Today · 4.125%
HK$39,177
baseline
▲ 0.50% · 4.625%
HK$41,561
+HK$2,384/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,354/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,012
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,112
−HK$1,116/mo
Today · 4.125%
HK$43,228
baseline
▲ 0.50% · 4.625%
HK$45,507
+HK$2,279/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,456/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,454 · 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).