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$20,458
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,094
−HK$647/mo
Today · 4.125%
HK$21,741
baseline
▲ 0.50% · 4.625%
HK$23,064
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,482/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,759
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,370
−HK$619/mo
Today · 4.125%
HK$23,989
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,264/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,978/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,550
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,313
−HK$776/mo
Today · 4.125%
HK$26,089
baseline
▲ 0.50% · 4.625%
HK$27,676
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,178/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,311
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,044
−HK$743/mo
Today · 4.125%
HK$28,787
baseline
▲ 0.50% · 4.625%
HK$30,304
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,574/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,641
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,532
−HK$905/mo
Today · 4.125%
HK$30,437
baseline
▲ 0.50% · 4.625%
HK$32,289
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,874/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,863
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,717
−HK$867/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,355
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,824
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,970
−HK$1,163/mo
Today · 4.125%
HK$39,133
baseline
▲ 0.50% · 4.625%
HK$41,515
+HK$2,382/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,266/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,967
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,065
−HK$1,115/mo
Today · 4.125%
HK$43,180
baseline
▲ 0.50% · 4.625%
HK$45,456
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,360/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,154 · 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).