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$20,456
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,092
−HK$647/mo
Today · 4.125%
HK$21,739
baseline
▲ 0.50% · 4.625%
HK$23,062
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,478/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,757
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,367
−HK$620/mo
Today · 4.125%
HK$23,987
baseline
▲ 0.50% · 4.625%
HK$25,251
+HK$1,264/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,974/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,547
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,311
−HK$776/mo
Today · 4.125%
HK$26,087
baseline
▲ 0.50% · 4.625%
HK$27,674
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,174/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,308
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,041
−HK$743/mo
Today · 4.125%
HK$28,784
baseline
▲ 0.50% · 4.625%
HK$30,301
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,568/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,638
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,529
−HK$905/mo
Today · 4.125%
HK$30,434
baseline
▲ 0.50% · 4.625%
HK$32,286
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,868/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,860
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,714
−HK$867/mo
Today · 4.125%
HK$33,581
baseline
▲ 0.50% · 4.625%
HK$35,351
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,162/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,821
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,966
−HK$1,164/mo
Today · 4.125%
HK$39,130
baseline
▲ 0.50% · 4.625%
HK$41,511
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,260/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,963
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,061
−HK$1,115/mo
Today · 4.125%
HK$43,176
baseline
▲ 0.50% · 4.625%
HK$45,452
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,352/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,128 · 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).