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$20,465
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,102
−HK$647/mo
Today · 4.125%
HK$21,749
baseline
▲ 0.50% · 4.625%
HK$23,072
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,498/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,768
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,378
−HK$620/mo
Today · 4.125%
HK$23,998
baseline
▲ 0.50% · 4.625%
HK$25,263
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,996/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,559
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,322
−HK$777/mo
Today · 4.125%
HK$26,099
baseline
▲ 0.50% · 4.625%
HK$27,687
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,198/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,321
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,054
−HK$743/mo
Today · 4.125%
HK$28,797
baseline
▲ 0.50% · 4.625%
HK$30,315
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,594/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,652
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,543
−HK$905/mo
Today · 4.125%
HK$30,448
baseline
▲ 0.50% · 4.625%
HK$32,301
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,896/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,875
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,730
−HK$867/mo
Today · 4.125%
HK$33,597
baseline
▲ 0.50% · 4.625%
HK$35,368
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,194/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,838
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,984
−HK$1,164/mo
Today · 4.125%
HK$39,148
baseline
▲ 0.50% · 4.625%
HK$41,530
+HK$2,382/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,296/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,982
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,081
−HK$1,115/mo
Today · 4.125%
HK$43,196
baseline
▲ 0.50% · 4.625%
HK$45,473
+HK$2,277/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,392/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,253 · 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).