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$20,487
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,124
−HK$647/mo
Today · 4.125%
HK$21,771
baseline
▲ 0.50% · 4.625%
HK$23,096
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,542/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,791
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,403
−HK$620/mo
Today · 4.125%
HK$24,023
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,046/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,584
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,349
−HK$777/mo
Today · 4.125%
HK$26,126
baseline
▲ 0.50% · 4.625%
HK$27,715
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,252/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,350
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,083
−HK$744/mo
Today · 4.125%
HK$28,827
baseline
▲ 0.50% · 4.625%
HK$30,347
+HK$1,520/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,654/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,681
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,574
−HK$906/mo
Today · 4.125%
HK$30,480
baseline
▲ 0.50% · 4.625%
HK$32,335
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,960/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,908
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,764
−HK$868/mo
Today · 4.125%
HK$33,632
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$1,772/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,264/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,876
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,023
−HK$1,166/mo
Today · 4.125%
HK$39,189
baseline
▲ 0.50% · 4.625%
HK$41,573
+HK$2,384/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$78,378/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,024
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,125
−HK$1,116/mo
Today · 4.125%
HK$43,241
baseline
▲ 0.50% · 4.625%
HK$45,520
+HK$2,279/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$86,482/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,532 · 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).