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$20,483
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,120
−HK$647/mo
Today · 4.125%
HK$21,767
baseline
▲ 0.50% · 4.625%
HK$23,092
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,534/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,787
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,398
−HK$620/mo
Today · 4.125%
HK$24,018
baseline
▲ 0.50% · 4.625%
HK$25,284
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,036/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,579
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,344
−HK$777/mo
Today · 4.125%
HK$26,121
baseline
▲ 0.50% · 4.625%
HK$27,710
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,242/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,344
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,078
−HK$744/mo
Today · 4.125%
HK$28,822
baseline
▲ 0.50% · 4.625%
HK$30,341
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,644/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,676
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,568
−HK$906/mo
Today · 4.125%
HK$30,474
baseline
▲ 0.50% · 4.625%
HK$32,329
+HK$1,855/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,948/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,902
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,757
−HK$868/mo
Today · 4.125%
HK$33,625
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$1,773/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,250/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,869
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,016
−HK$1,165/mo
Today · 4.125%
HK$39,181
baseline
▲ 0.50% · 4.625%
HK$41,565
+HK$2,384/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,362/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,017
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,117
−HK$1,116/mo
Today · 4.125%
HK$43,233
baseline
▲ 0.50% · 4.625%
HK$45,511
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,466/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,482 · 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).