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$20,474
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,111
−HK$647/mo
Today · 4.125%
HK$21,758
baseline
▲ 0.50% · 4.625%
HK$23,082
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,516/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,778
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,388
−HK$620/mo
Today · 4.125%
HK$24,008
baseline
▲ 0.50% · 4.625%
HK$25,274
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,016/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,569
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,333
−HK$777/mo
Today · 4.125%
HK$26,110
baseline
▲ 0.50% · 4.625%
HK$27,699
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,220/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,333
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,066
−HK$744/mo
Today · 4.125%
HK$28,810
baseline
▲ 0.50% · 4.625%
HK$30,328
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,620/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,664
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,556
−HK$906/mo
Today · 4.125%
HK$30,462
baseline
▲ 0.50% · 4.625%
HK$32,315
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,924/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,889
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,744
−HK$867/mo
Today · 4.125%
HK$33,611
baseline
▲ 0.50% · 4.625%
HK$35,383
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,222/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,854
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,000
−HK$1,165/mo
Today · 4.125%
HK$39,165
baseline
▲ 0.50% · 4.625%
HK$41,548
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,330/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,000
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,099
−HK$1,116/mo
Today · 4.125%
HK$43,215
baseline
▲ 0.50% · 4.625%
HK$45,493
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,430/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,370 · 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).