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$20,468
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$647/mo
Today · 4.125%
HK$21,752
baseline
▲ 0.50% · 4.625%
HK$23,075
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,504/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,381
−HK$620/mo
Today · 4.125%
HK$24,001
baseline
▲ 0.50% · 4.625%
HK$25,266
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,002/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,562
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,326
−HK$776/mo
Today · 4.125%
HK$26,102
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,204/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,325
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,057
−HK$744/mo
Today · 4.125%
HK$28,801
baseline
▲ 0.50% · 4.625%
HK$30,319
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,602/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,655
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,547
−HK$905/mo
Today · 4.125%
HK$30,452
baseline
▲ 0.50% · 4.625%
HK$32,305
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,904/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,879
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,734
−HK$867/mo
Today · 4.125%
HK$33,601
baseline
▲ 0.50% · 4.625%
HK$35,372
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,202/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,843
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,989
−HK$1,164/mo
Today · 4.125%
HK$39,153
baseline
▲ 0.50% · 4.625%
HK$41,535
+HK$2,382/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,306/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,987
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,086
−HK$1,115/mo
Today · 4.125%
HK$43,201
baseline
▲ 0.50% · 4.625%
HK$45,479
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,402/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,287 · 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).