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$20,473
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,110
−HK$647/mo
Today · 4.125%
HK$21,757
baseline
▲ 0.50% · 4.625%
HK$23,081
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,514/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,776
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,387
−HK$620/mo
Today · 4.125%
HK$24,007
baseline
▲ 0.50% · 4.625%
HK$25,272
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,014/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,568
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,332
−HK$776/mo
Today · 4.125%
HK$26,108
baseline
▲ 0.50% · 4.625%
HK$27,697
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,216/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,331
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,064
−HK$744/mo
Today · 4.125%
HK$28,808
baseline
▲ 0.50% · 4.625%
HK$30,326
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,616/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,662
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,554
−HK$906/mo
Today · 4.125%
HK$30,460
baseline
▲ 0.50% · 4.625%
HK$32,313
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,920/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,886
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,742
−HK$867/mo
Today · 4.125%
HK$33,609
baseline
▲ 0.50% · 4.625%
HK$35,381
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,218/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,851
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,998
−HK$1,164/mo
Today · 4.125%
HK$39,162
baseline
▲ 0.50% · 4.625%
HK$41,545
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,324/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,997
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,096
−HK$1,116/mo
Today · 4.125%
HK$43,212
baseline
▲ 0.50% · 4.625%
HK$45,490
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,424/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,352 · 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).