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$1,285/mo
▼ 0.25% · 3.875%
HK$21,120
−HK$648/mo
Today · 4.125%
HK$21,768
baseline
▲ 0.50% · 4.625%
HK$23,092
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,536/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,787
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,399
−HK$619/mo
Today · 4.125%
HK$24,018
baseline
▲ 0.50% · 4.625%
HK$25,285
+HK$1,267/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$269,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,580
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,344
−HK$777/mo
Today · 4.125%
HK$26,121
baseline
▲ 0.50% · 4.625%
HK$27,711
+HK$1,590/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$269,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,345
−HK$1,477/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$269,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,676
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,568
−HK$907/mo
Today · 4.125%
HK$30,475
baseline
▲ 0.50% · 4.625%
HK$32,329
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,950/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,902
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,758
−HK$868/mo
Today · 4.125%
HK$33,626
baseline
▲ 0.50% · 4.625%
HK$35,398
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,252/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,870
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,017
−HK$1,165/mo
Today · 4.125%
HK$39,182
baseline
▲ 0.50% · 4.625%
HK$41,566
+HK$2,384/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,364/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,486 · 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$45,512
+HK$2,279/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$269,486 · 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).