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$20,461
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,098
−HK$646/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$23,068
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,763
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,374
−HK$619/mo
Today · 4.125%
HK$23,993
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,986/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,554
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$776/mo
Today · 4.125%
HK$26,093
baseline
▲ 0.50% · 4.625%
HK$27,681
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,186/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,316
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,048
−HK$743/mo
Today · 4.125%
HK$28,791
baseline
▲ 0.50% · 4.625%
HK$30,309
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,582/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,646
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,537
−HK$905/mo
Today · 4.125%
HK$30,442
baseline
▲ 0.50% · 4.625%
HK$32,295
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,884/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,868
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,723
−HK$867/mo
Today · 4.125%
HK$33,590
baseline
▲ 0.50% · 4.625%
HK$35,361
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,180/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,830
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,976
−HK$1,164/mo
Today · 4.125%
HK$39,140
baseline
▲ 0.50% · 4.625%
HK$41,522
+HK$2,382/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$78,280/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,974
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,072
−HK$1,115/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,464
+HK$2,277/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,199 · 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).