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$1,285/mo
▼ 0.25% · 3.875%
HK$21,121
−HK$648/mo
Today · 4.125%
HK$21,769
baseline
▲ 0.50% · 4.625%
HK$23,093
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,538/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,788
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,399
−HK$621/mo
Today · 4.125%
HK$24,020
baseline
▲ 0.50% · 4.625%
HK$25,286
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,040/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,581
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,345
−HK$777/mo
Today · 4.125%
HK$26,122
baseline
▲ 0.50% · 4.625%
HK$27,712
+HK$1,590/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$269,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,346
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,079
−HK$744/mo
Today · 4.125%
HK$28,823
baseline
▲ 0.50% · 4.625%
HK$30,343
+HK$1,520/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$269,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,678
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,570
−HK$906/mo
Today · 4.125%
HK$30,476
baseline
▲ 0.50% · 4.625%
HK$32,330
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,952/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,904
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,759
−HK$868/mo
Today · 4.125%
HK$33,627
baseline
▲ 0.50% · 4.625%
HK$35,400
+HK$1,773/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$269,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,871
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,018
−HK$1,165/mo
Today · 4.125%
HK$39,183
baseline
▲ 0.50% · 4.625%
HK$41,568
+HK$2,385/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$269,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,019
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,119
−HK$1,116/mo
Today · 4.125%
HK$43,235
baseline
▲ 0.50% · 4.625%
HK$45,514
+HK$2,279/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,470/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,497 · 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).