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$20,472
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,109
−HK$647/mo
Today · 4.125%
HK$21,756
baseline
▲ 0.50% · 4.625%
HK$23,080
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,512/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,775
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,386
−HK$619/mo
Today · 4.125%
HK$24,005
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,010/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,331
−HK$776/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,696
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,214/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,330
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,063
−HK$744/mo
Today · 4.125%
HK$28,807
baseline
▲ 0.50% · 4.625%
HK$30,325
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,614/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,661
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,552
−HK$906/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,312
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,916/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,885
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,740
−HK$868/mo
Today · 4.125%
HK$33,608
baseline
▲ 0.50% · 4.625%
HK$35,379
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,216/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,850
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,996
−HK$1,165/mo
Today · 4.125%
HK$39,161
baseline
▲ 0.50% · 4.625%
HK$41,543
+HK$2,382/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,322/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,995
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,094
−HK$1,116/mo
Today · 4.125%
HK$43,210
baseline
▲ 0.50% · 4.625%
HK$45,487
+HK$2,277/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,420/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,340 · 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).