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$1,283/mo
▼ 0.25% · 3.875%
HK$21,108
−HK$647/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$23,079
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,775
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,385
−HK$620/mo
Today · 4.125%
HK$24,005
baseline
▲ 0.50% · 4.625%
HK$25,270
+HK$1,265/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$269,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$777/mo
Today · 4.125%
HK$26,107
baseline
▲ 0.50% · 4.625%
HK$27,695
+HK$1,588/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$269,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,329
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,062
−HK$744/mo
Today · 4.125%
HK$28,806
baseline
▲ 0.50% · 4.625%
HK$30,324
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,612/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,660
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,552
−HK$906/mo
Today · 4.125%
HK$30,458
baseline
▲ 0.50% · 4.625%
HK$32,311
+HK$1,853/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$269,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,884
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,740
−HK$867/mo
Today · 4.125%
HK$33,607
baseline
▲ 0.50% · 4.625%
HK$35,378
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,214/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,849
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,995
−HK$1,165/mo
Today · 4.125%
HK$39,160
baseline
▲ 0.50% · 4.625%
HK$41,543
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,320/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,994
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,094
−HK$1,115/mo
Today · 4.125%
HK$43,209
baseline
▲ 0.50% · 4.625%
HK$45,487
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,418/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,335 · 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).