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$20,485
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,122
−HK$647/mo
Today · 4.125%
HK$21,769
baseline
▲ 0.50% · 4.625%
HK$23,094
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,538/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,789
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,400
−HK$620/mo
Today · 4.125%
HK$24,020
baseline
▲ 0.50% · 4.625%
HK$25,287
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,040/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,582
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,346
−HK$777/mo
Today · 4.125%
HK$26,123
baseline
▲ 0.50% · 4.625%
HK$27,713
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,246/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,347
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,080
−HK$744/mo
Today · 4.125%
HK$28,824
baseline
▲ 0.50% · 4.625%
HK$30,344
+HK$1,520/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,648/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,571
−HK$906/mo
Today · 4.125%
HK$30,477
baseline
▲ 0.50% · 4.625%
HK$32,332
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,954/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,905
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,761
−HK$868/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,401
+HK$1,772/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,873
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,020
−HK$1,165/mo
Today · 4.125%
HK$39,185
baseline
▲ 0.50% · 4.625%
HK$41,569
+HK$2,384/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$78,370/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,021
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,121
−HK$1,116/mo
Today · 4.125%
HK$43,237
baseline
▲ 0.50% · 4.625%
HK$45,516
+HK$2,279/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$86,474/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,508 · 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).