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$20,462
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,099
−HK$646/mo
Today · 4.125%
HK$21,745
baseline
▲ 0.50% · 4.625%
HK$23,068
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,490/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,764
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,374
−HK$620/mo
Today · 4.125%
HK$23,994
baseline
▲ 0.50% · 4.625%
HK$25,259
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,988/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,555
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,318
−HK$776/mo
Today · 4.125%
HK$26,094
baseline
▲ 0.50% · 4.625%
HK$27,682
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,188/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,317
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,049
−HK$744/mo
Today · 4.125%
HK$28,793
baseline
▲ 0.50% · 4.625%
HK$30,310
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,586/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,647
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,538
−HK$905/mo
Today · 4.125%
HK$30,443
baseline
▲ 0.50% · 4.625%
HK$32,296
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,886/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,869
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,724
−HK$867/mo
Today · 4.125%
HK$33,591
baseline
▲ 0.50% · 4.625%
HK$35,362
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,182/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,832
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,977
−HK$1,164/mo
Today · 4.125%
HK$39,141
baseline
▲ 0.50% · 4.625%
HK$41,523
+HK$2,382/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$78,282/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,975
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,074
−HK$1,115/mo
Today · 4.125%
HK$43,189
baseline
▲ 0.50% · 4.625%
HK$45,465
+HK$2,276/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$86,378/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,209 · 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).