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$20,466
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,103
−HK$647/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$23,073
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,768
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,379
−HK$620/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,559
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,323
−HK$777/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,688
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,322
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$743/mo
Today · 4.125%
HK$28,798
baseline
▲ 0.50% · 4.625%
HK$30,316
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,596/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,653
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,544
−HK$905/mo
Today · 4.125%
HK$30,449
baseline
▲ 0.50% · 4.625%
HK$32,302
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,898/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,876
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,731
−HK$867/mo
Today · 4.125%
HK$33,598
baseline
▲ 0.50% · 4.625%
HK$35,369
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,196/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,839
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,985
−HK$1,164/mo
Today · 4.125%
HK$39,149
baseline
▲ 0.50% · 4.625%
HK$41,531
+HK$2,382/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,298/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,983
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,082
−HK$1,115/mo
Today · 4.125%
HK$43,197
baseline
▲ 0.50% · 4.625%
HK$45,474
+HK$2,277/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,394/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,262 · 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).