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$20,494
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$647/mo
Today · 4.125%
HK$21,779
baseline
▲ 0.50% · 4.625%
HK$23,105
+HK$1,326/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,558/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,800
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$620/mo
Today · 4.125%
HK$24,031
baseline
▲ 0.50% · 4.625%
HK$25,298
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,062/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,593
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,358
−HK$777/mo
Today · 4.125%
HK$26,135
baseline
▲ 0.50% · 4.625%
HK$27,726
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,270/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,360
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,093
−HK$745/mo
Today · 4.125%
HK$28,838
baseline
▲ 0.50% · 4.625%
HK$30,358
+HK$1,520/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,676/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,692
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,584
−HK$907/mo
Today · 4.125%
HK$30,491
baseline
▲ 0.50% · 4.625%
HK$32,347
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,982/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,920
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,776
−HK$868/mo
Today · 4.125%
HK$33,644
baseline
▲ 0.50% · 4.625%
HK$35,418
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,288/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,890
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,037
−HK$1,166/mo
Today · 4.125%
HK$39,203
baseline
▲ 0.50% · 4.625%
HK$41,588
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,406/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,039
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,140
−HK$1,117/mo
Today · 4.125%
HK$43,257
baseline
▲ 0.50% · 4.625%
HK$45,537
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,514/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,632 · 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).