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$20,468
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,104
−HK$647/mo
Today · 4.125%
HK$21,751
baseline
▲ 0.50% · 4.625%
HK$23,075
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,502/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,770
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,381
−HK$619/mo
Today · 4.125%
HK$24,000
baseline
▲ 0.50% · 4.625%
HK$25,265
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,000/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,561
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,325
−HK$776/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,689
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,324
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,057
−HK$743/mo
Today · 4.125%
HK$28,800
baseline
▲ 0.50% · 4.625%
HK$30,318
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,600/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,655
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,546
−HK$905/mo
Today · 4.125%
HK$30,451
baseline
▲ 0.50% · 4.625%
HK$32,304
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,902/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,878
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,733
−HK$867/mo
Today · 4.125%
HK$33,600
baseline
▲ 0.50% · 4.625%
HK$35,371
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,200/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,842
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,988
−HK$1,164/mo
Today · 4.125%
HK$39,152
baseline
▲ 0.50% · 4.625%
HK$41,534
+HK$2,382/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,304/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,986
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,085
−HK$1,115/mo
Today · 4.125%
HK$43,200
baseline
▲ 0.50% · 4.625%
HK$45,477
+HK$2,277/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,400/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,280 · 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).