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$20,498
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,136
−HK$647/mo
Today · 4.125%
HK$21,783
baseline
▲ 0.50% · 4.625%
HK$23,109
+HK$1,326/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,566/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,804
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,415
−HK$621/mo
Today · 4.125%
HK$24,036
baseline
▲ 0.50% · 4.625%
HK$25,303
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,072/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,598
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,363
−HK$777/mo
Today · 4.125%
HK$26,140
baseline
▲ 0.50% · 4.625%
HK$27,731
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,280/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,365
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,098
−HK$745/mo
Today · 4.125%
HK$28,843
baseline
▲ 0.50% · 4.625%
HK$30,363
+HK$1,520/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,686/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,697
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,590
−HK$907/mo
Today · 4.125%
HK$30,497
baseline
▲ 0.50% · 4.625%
HK$32,352
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,994/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,925
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,782
−HK$868/mo
Today · 4.125%
HK$33,650
baseline
▲ 0.50% · 4.625%
HK$35,424
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,300/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,896
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,044
−HK$1,166/mo
Today · 4.125%
HK$39,210
baseline
▲ 0.50% · 4.625%
HK$41,596
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,420/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,047
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,148
−HK$1,116/mo
Today · 4.125%
HK$43,264
baseline
▲ 0.50% · 4.625%
HK$45,545
+HK$2,281/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,528/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,681 · 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).