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$20,497
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,135
−HK$648/mo
Today · 4.125%
HK$21,783
baseline
▲ 0.50% · 4.625%
HK$23,108
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,566/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,803
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,415
−HK$620/mo
Today · 4.125%
HK$24,035
baseline
▲ 0.50% · 4.625%
HK$25,302
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,070/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,597
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,362
−HK$777/mo
Today · 4.125%
HK$26,139
baseline
▲ 0.50% · 4.625%
HK$27,730
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,278/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,364
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,097
−HK$745/mo
Today · 4.125%
HK$28,842
baseline
▲ 0.50% · 4.625%
HK$30,362
+HK$1,520/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,684/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$269,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,696
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,589
−HK$907/mo
Today · 4.125%
HK$30,496
baseline
▲ 0.50% · 4.625%
HK$32,351
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,992/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,924
−HK$1,725/mo
▼ 0.25% · 3.875%
HK$32,780
−HK$869/mo
Today · 4.125%
HK$33,649
baseline
▲ 0.50% · 4.625%
HK$35,423
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,298/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,895
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,043
−HK$1,166/mo
Today · 4.125%
HK$39,209
baseline
▲ 0.50% · 4.625%
HK$41,594
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,418/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,045
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,146
−HK$1,117/mo
Today · 4.125%
HK$43,263
baseline
▲ 0.50% · 4.625%
HK$45,543
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,526/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,671 · 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).