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$20,460
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,097
−HK$646/mo
Today · 4.125%
HK$21,743
baseline
▲ 0.50% · 4.625%
HK$23,066
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,486/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,762
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,372
−HK$620/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,256
+HK$1,264/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,552
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,316
−HK$776/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,680
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,314
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,047
−HK$743/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,307
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,644
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,535
−HK$906/mo
Today · 4.125%
HK$30,441
baseline
▲ 0.50% · 4.625%
HK$32,293
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,882/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,867
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,721
−HK$867/mo
Today · 4.125%
HK$33,588
baseline
▲ 0.50% · 4.625%
HK$35,359
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,176/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,829
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,974
−HK$1,164/mo
Today · 4.125%
HK$39,138
baseline
▲ 0.50% · 4.625%
HK$41,519
+HK$2,381/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$78,276/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,971
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,070
−HK$1,115/mo
Today · 4.125%
HK$43,185
baseline
▲ 0.50% · 4.625%
HK$45,461
+HK$2,276/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$86,370/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,184 · 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).