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$20,489
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,126
−HK$648/mo
Today · 4.125%
HK$21,774
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,548/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,794
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,405
−HK$620/mo
Today · 4.125%
HK$24,025
baseline
▲ 0.50% · 4.625%
HK$25,292
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,050/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,587
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$777/mo
Today · 4.125%
HK$26,129
baseline
▲ 0.50% · 4.625%
HK$27,719
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,258/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,353
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,086
−HK$745/mo
Today · 4.125%
HK$28,831
baseline
▲ 0.50% · 4.625%
HK$30,350
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,662/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,685
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,577
−HK$907/mo
Today · 4.125%
HK$30,484
baseline
▲ 0.50% · 4.625%
HK$32,338
+HK$1,854/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,968/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,912
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,767
−HK$869/mo
Today · 4.125%
HK$33,636
baseline
▲ 0.50% · 4.625%
HK$35,409
+HK$1,773/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,272/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,880
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,028
−HK$1,165/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,578
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,029
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,116/mo
Today · 4.125%
HK$43,246
baseline
▲ 0.50% · 4.625%
HK$45,525
+HK$2,279/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,492/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,564 · 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).