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$20,477
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,114
−HK$647/mo
Today · 4.125%
HK$21,761
baseline
▲ 0.50% · 4.625%
HK$23,086
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,522/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,781
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,392
−HK$620/mo
Today · 4.125%
HK$24,012
baseline
▲ 0.50% · 4.625%
HK$25,277
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,024/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,573
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,337
−HK$777/mo
Today · 4.125%
HK$26,114
baseline
▲ 0.50% · 4.625%
HK$27,703
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,228/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,337
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,070
−HK$744/mo
Today · 4.125%
HK$28,814
baseline
▲ 0.50% · 4.625%
HK$30,333
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,628/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,668
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,560
−HK$906/mo
Today · 4.125%
HK$30,466
baseline
▲ 0.50% · 4.625%
HK$32,320
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,932/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,893
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,749
−HK$867/mo
Today · 4.125%
HK$33,616
baseline
▲ 0.50% · 4.625%
HK$35,388
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,232/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,859
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,006
−HK$1,165/mo
Today · 4.125%
HK$39,171
baseline
▲ 0.50% · 4.625%
HK$41,554
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,342/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,005
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,105
−HK$1,116/mo
Today · 4.125%
HK$43,221
baseline
▲ 0.50% · 4.625%
HK$45,499
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,442/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,409 · 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).