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$20,485
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,122
−HK$648/mo
Today · 4.125%
HK$21,770
baseline
▲ 0.50% · 4.625%
HK$23,094
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,540/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,790
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,401
−HK$620/mo
Today · 4.125%
HK$24,021
baseline
▲ 0.50% · 4.625%
HK$25,287
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,042/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,582
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,347
−HK$777/mo
Today · 4.125%
HK$26,124
baseline
▲ 0.50% · 4.625%
HK$27,713
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,248/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,348
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,081
−HK$744/mo
Today · 4.125%
HK$28,825
baseline
▲ 0.50% · 4.625%
HK$30,344
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,650/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,679
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,571
−HK$907/mo
Today · 4.125%
HK$30,478
baseline
▲ 0.50% · 4.625%
HK$32,332
+HK$1,854/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,956/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,905
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,761
−HK$868/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,402
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,873
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,020
−HK$1,166/mo
Today · 4.125%
HK$39,186
baseline
▲ 0.50% · 4.625%
HK$41,570
+HK$2,384/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$78,372/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,021
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,121
−HK$1,117/mo
Today · 4.125%
HK$43,238
baseline
▲ 0.50% · 4.625%
HK$45,517
+HK$2,279/mo
Deposit HK$898K · loan HK$8.09M · min. income ≈ HK$86,476/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,513 · 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).