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$20,478
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,115
−HK$648/mo
Today · 4.125%
HK$21,763
baseline
▲ 0.50% · 4.625%
HK$23,087
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,526/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,782
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,393
−HK$620/mo
Today · 4.125%
HK$24,013
baseline
▲ 0.50% · 4.625%
HK$25,279
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,026/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,574
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,339
−HK$776/mo
Today · 4.125%
HK$26,115
baseline
▲ 0.50% · 4.625%
HK$27,704
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,230/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,339
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,072
−HK$744/mo
Today · 4.125%
HK$28,816
baseline
▲ 0.50% · 4.625%
HK$30,334
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,632/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,670
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,562
−HK$906/mo
Today · 4.125%
HK$30,468
baseline
▲ 0.50% · 4.625%
HK$32,322
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,936/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,895
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,750
−HK$868/mo
Today · 4.125%
HK$33,618
baseline
▲ 0.50% · 4.625%
HK$35,390
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,236/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,861
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,008
−HK$1,165/mo
Today · 4.125%
HK$39,173
baseline
▲ 0.50% · 4.625%
HK$41,556
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,346/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,008
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,108
−HK$1,115/mo
Today · 4.125%
HK$43,223
baseline
▲ 0.50% · 4.625%
HK$45,502
+HK$2,279/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,446/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,424 · 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).