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$20,453
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,090
−HK$646/mo
Today · 4.125%
HK$21,736
baseline
▲ 0.50% · 4.625%
HK$23,059
+HK$1,323/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,472/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,754
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,364
−HK$620/mo
Today · 4.125%
HK$23,984
baseline
▲ 0.50% · 4.625%
HK$25,248
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,968/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,544
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,308
−HK$775/mo
Today · 4.125%
HK$26,083
baseline
▲ 0.50% · 4.625%
HK$27,670
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,166/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,305
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,037
−HK$743/mo
Today · 4.125%
HK$28,780
baseline
▲ 0.50% · 4.625%
HK$30,297
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,560/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,635
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,525
−HK$905/mo
Today · 4.125%
HK$30,430
baseline
▲ 0.50% · 4.625%
HK$32,282
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,860/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,856
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,710
−HK$867/mo
Today · 4.125%
HK$33,577
baseline
▲ 0.50% · 4.625%
HK$35,347
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,154/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,816
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,961
−HK$1,164/mo
Today · 4.125%
HK$39,125
baseline
▲ 0.50% · 4.625%
HK$41,505
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,250/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,958
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,056
−HK$1,114/mo
Today · 4.125%
HK$43,170
baseline
▲ 0.50% · 4.625%
HK$45,446
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,340/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,094 · 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).