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$20,495
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$648/mo
Today · 4.125%
HK$21,780
baseline
▲ 0.50% · 4.625%
HK$23,105
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,560/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,800
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,412
−HK$620/mo
Today · 4.125%
HK$24,032
baseline
▲ 0.50% · 4.625%
HK$25,299
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,064/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,594
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,359
−HK$777/mo
Today · 4.125%
HK$26,136
baseline
▲ 0.50% · 4.625%
HK$27,727
+HK$1,591/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$52,272/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,361
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,094
−HK$745/mo
Today · 4.125%
HK$28,839
baseline
▲ 0.50% · 4.625%
HK$30,359
+HK$1,520/mo
Deposit HK$3.60M · loan HK$5.39M · min. income ≈ HK$57,678/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,693
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,585
−HK$907/mo
Today · 4.125%
HK$30,492
baseline
▲ 0.50% · 4.625%
HK$32,348
+HK$1,856/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,984/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,921
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,777
−HK$868/mo
Today · 4.125%
HK$33,645
baseline
▲ 0.50% · 4.625%
HK$35,419
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,290/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,891
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,038
−HK$1,166/mo
Today · 4.125%
HK$39,204
baseline
▲ 0.50% · 4.625%
HK$41,590
+HK$2,386/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,408/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,041
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,142
−HK$1,116/mo
Today · 4.125%
HK$43,258
baseline
▲ 0.50% · 4.625%
HK$45,538
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,516/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,641 · 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).