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$20,484
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$647/mo
Today · 4.125%
HK$21,768
baseline
▲ 0.50% · 4.625%
HK$23,093
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,536/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,788
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,399
−HK$620/mo
Today · 4.125%
HK$24,019
baseline
▲ 0.50% · 4.625%
HK$25,285
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,038/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,580
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,345
−HK$777/mo
Today · 4.125%
HK$26,122
baseline
▲ 0.50% · 4.625%
HK$27,711
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,244/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,345
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,079
−HK$744/mo
Today · 4.125%
HK$28,823
baseline
▲ 0.50% · 4.625%
HK$30,342
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,646/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,677
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,569
−HK$906/mo
Today · 4.125%
HK$30,475
baseline
▲ 0.50% · 4.625%
HK$32,330
+HK$1,855/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,950/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,903
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$868/mo
Today · 4.125%
HK$33,627
baseline
▲ 0.50% · 4.625%
HK$35,399
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,254/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,870
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,017
−HK$1,166/mo
Today · 4.125%
HK$39,183
baseline
▲ 0.50% · 4.625%
HK$41,567
+HK$2,384/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,366/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,018
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,118
−HK$1,116/mo
Today · 4.125%
HK$43,234
baseline
▲ 0.50% · 4.625%
HK$45,513
+HK$2,279/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,468/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,491 · 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).