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$20,464
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,101
−HK$647/mo
Today · 4.125%
HK$21,748
baseline
▲ 0.50% · 4.625%
HK$23,071
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,496/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,766
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,377
−HK$619/mo
Today · 4.125%
HK$23,996
baseline
▲ 0.50% · 4.625%
HK$25,261
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,992/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,557
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,321
−HK$776/mo
Today · 4.125%
HK$26,097
baseline
▲ 0.50% · 4.625%
HK$27,685
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,194/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,320
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,052
−HK$744/mo
Today · 4.125%
HK$28,796
baseline
▲ 0.50% · 4.625%
HK$30,314
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,592/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,650
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,541
−HK$906/mo
Today · 4.125%
HK$30,447
baseline
▲ 0.50% · 4.625%
HK$32,299
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,894/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,873
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,728
−HK$867/mo
Today · 4.125%
HK$33,595
baseline
▲ 0.50% · 4.625%
HK$35,366
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,190/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,836
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,982
−HK$1,164/mo
Today · 4.125%
HK$39,146
baseline
▲ 0.50% · 4.625%
HK$41,528
+HK$2,382/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$78,292/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,980
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,115/mo
Today · 4.125%
HK$43,194
baseline
▲ 0.50% · 4.625%
HK$45,470
+HK$2,276/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$86,388/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,238 · 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).