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$20,496
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$648/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,413
−HK$620/mo
Today · 4.125%
HK$24,033
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,066/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,595
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,360
−HK$777/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,728
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,362
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,096
−HK$744/mo
Today · 4.125%
HK$28,840
baseline
▲ 0.50% · 4.625%
HK$30,360
+HK$1,520/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,680/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,694
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,587
−HK$907/mo
Today · 4.125%
HK$30,494
baseline
▲ 0.50% · 4.625%
HK$32,349
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,988/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,922
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,778
−HK$869/mo
Today · 4.125%
HK$33,647
baseline
▲ 0.50% · 4.625%
HK$35,420
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,294/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,893
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,040
−HK$1,166/mo
Today · 4.125%
HK$39,206
baseline
▲ 0.50% · 4.625%
HK$41,592
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,412/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,043
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,143
−HK$1,117/mo
Today · 4.125%
HK$43,260
baseline
▲ 0.50% · 4.625%
HK$45,540
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,520/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,653 · 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).