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$20,470
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,107
−HK$647/mo
Today · 4.125%
HK$21,754
baseline
▲ 0.50% · 4.625%
HK$23,077
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,508/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,773
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,384
−HK$619/mo
Today · 4.125%
HK$24,003
baseline
▲ 0.50% · 4.625%
HK$25,268
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,006/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,564
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,328
−HK$777/mo
Today · 4.125%
HK$26,105
baseline
▲ 0.50% · 4.625%
HK$27,693
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,210/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,327
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,060
−HK$744/mo
Today · 4.125%
HK$28,804
baseline
▲ 0.50% · 4.625%
HK$30,322
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,608/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,658
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,550
−HK$905/mo
Today · 4.125%
HK$30,455
baseline
▲ 0.50% · 4.625%
HK$32,308
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,910/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,882
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,737
−HK$867/mo
Today · 4.125%
HK$33,604
baseline
▲ 0.50% · 4.625%
HK$35,376
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,208/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,846
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,992
−HK$1,165/mo
Today · 4.125%
HK$39,157
baseline
▲ 0.50% · 4.625%
HK$41,539
+HK$2,382/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,314/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,991
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,090
−HK$1,116/mo
Today · 4.125%
HK$43,206
baseline
▲ 0.50% · 4.625%
HK$45,483
+HK$2,277/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,412/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,314 · 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).