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$20,488
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,125
−HK$648/mo
Today · 4.125%
HK$21,773
baseline
▲ 0.50% · 4.625%
HK$23,097
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,546/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,793
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,404
−HK$620/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,290
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,585
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,350
−HK$777/mo
Today · 4.125%
HK$26,127
baseline
▲ 0.50% · 4.625%
HK$27,717
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,254/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,351
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,085
−HK$744/mo
Today · 4.125%
HK$28,829
baseline
▲ 0.50% · 4.625%
HK$30,348
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,658/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,683
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,575
−HK$907/mo
Today · 4.125%
HK$30,482
baseline
▲ 0.50% · 4.625%
HK$32,336
+HK$1,854/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,964/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,910
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,765
−HK$868/mo
Today · 4.125%
HK$33,633
baseline
▲ 0.50% · 4.625%
HK$35,406
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,266/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,878
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,025
−HK$1,166/mo
Today · 4.125%
HK$39,191
baseline
▲ 0.50% · 4.625%
HK$41,575
+HK$2,384/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$78,382/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,027
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,127
−HK$1,116/mo
Today · 4.125%
HK$43,243
baseline
▲ 0.50% · 4.625%
HK$45,522
+HK$2,279/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$86,486/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,547 · 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).