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$20,463
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,099
−HK$647/mo
Today · 4.125%
HK$21,746
baseline
▲ 0.50% · 4.625%
HK$23,069
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,492/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,765
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,375
−HK$620/mo
Today · 4.125%
HK$23,995
baseline
▲ 0.50% · 4.625%
HK$25,260
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,990/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,556
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,319
−HK$776/mo
Today · 4.125%
HK$26,095
baseline
▲ 0.50% · 4.625%
HK$27,683
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,190/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,318
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,050
−HK$744/mo
Today · 4.125%
HK$28,794
baseline
▲ 0.50% · 4.625%
HK$30,311
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,588/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,648
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,539
−HK$906/mo
Today · 4.125%
HK$30,445
baseline
▲ 0.50% · 4.625%
HK$32,297
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,890/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,871
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,726
−HK$867/mo
Today · 4.125%
HK$33,593
baseline
▲ 0.50% · 4.625%
HK$35,363
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,186/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,833
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,979
−HK$1,164/mo
Today · 4.125%
HK$39,143
baseline
▲ 0.50% · 4.625%
HK$41,525
+HK$2,382/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$78,286/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,977
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,076
−HK$1,115/mo
Today · 4.125%
HK$43,191
baseline
▲ 0.50% · 4.625%
HK$45,467
+HK$2,276/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$86,382/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,220 · 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).