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$20,495
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$647/mo
Today · 4.125%
HK$21,780
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,326/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,560/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,412
−HK$621/mo
Today · 4.125%
HK$24,033
baseline
▲ 0.50% · 4.625%
HK$25,299
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,066/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,594
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,359
−HK$778/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,727
+HK$1,590/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,361
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,095
−HK$744/mo
Today · 4.125%
HK$28,839
baseline
▲ 0.50% · 4.625%
HK$30,359
+HK$1,520/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,678/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,693
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,586
−HK$907/mo
Today · 4.125%
HK$30,493
baseline
▲ 0.50% · 4.625%
HK$32,348
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,986/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,921
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,777
−HK$869/mo
Today · 4.125%
HK$33,646
baseline
▲ 0.50% · 4.625%
HK$35,419
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,292/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,891
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,039
−HK$1,166/mo
Today · 4.125%
HK$39,205
baseline
▲ 0.50% · 4.625%
HK$41,590
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,410/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,041
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,142
−HK$1,117/mo
Today · 4.125%
HK$43,259
baseline
▲ 0.50% · 4.625%
HK$45,539
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,518/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,644 · 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).