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$20,492
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,129
−HK$648/mo
Today · 4.125%
HK$21,777
baseline
▲ 0.50% · 4.625%
HK$23,102
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,554/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,797
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,408
−HK$620/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,590
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,355
−HK$777/mo
Today · 4.125%
HK$26,132
baseline
▲ 0.50% · 4.625%
HK$27,722
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,264/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,356
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,090
−HK$744/mo
Today · 4.125%
HK$28,834
baseline
▲ 0.50% · 4.625%
HK$30,354
+HK$1,520/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,668/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,688
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$906/mo
Today · 4.125%
HK$30,487
baseline
▲ 0.50% · 4.625%
HK$32,342
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,974/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,915
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,771
−HK$869/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,413
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,885
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,032
−HK$1,166/mo
Today · 4.125%
HK$39,198
baseline
▲ 0.50% · 4.625%
HK$41,583
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,396/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,034
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,134
−HK$1,117/mo
Today · 4.125%
HK$43,251
baseline
▲ 0.50% · 4.625%
HK$45,531
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,502/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,596 · 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).