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$20,459
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,096
−HK$646/mo
Today · 4.125%
HK$21,742
baseline
▲ 0.50% · 4.625%
HK$23,065
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,484/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,761
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,371
−HK$619/mo
Today · 4.125%
HK$23,990
baseline
▲ 0.50% · 4.625%
HK$25,255
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,980/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,551
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,315
−HK$775/mo
Today · 4.125%
HK$26,090
baseline
▲ 0.50% · 4.625%
HK$27,678
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,180/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,313
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,045
−HK$743/mo
Today · 4.125%
HK$28,788
baseline
▲ 0.50% · 4.625%
HK$30,306
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,576/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,643
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,534
−HK$905/mo
Today · 4.125%
HK$30,439
baseline
▲ 0.50% · 4.625%
HK$32,291
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,878/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,865
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,719
−HK$867/mo
Today · 4.125%
HK$33,586
baseline
▲ 0.50% · 4.625%
HK$35,357
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,172/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,826
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,972
−HK$1,164/mo
Today · 4.125%
HK$39,136
baseline
▲ 0.50% · 4.625%
HK$41,517
+HK$2,381/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$78,272/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,969
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,068
−HK$1,114/mo
Today · 4.125%
HK$43,182
baseline
▲ 0.50% · 4.625%
HK$45,459
+HK$2,277/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$86,364/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,169 · 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).