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$20,467
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,103
−HK$647/mo
Today · 4.125%
HK$21,750
baseline
▲ 0.50% · 4.625%
HK$23,074
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,500/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,769
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,380
−HK$619/mo
Today · 4.125%
HK$23,999
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,998/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,560
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,324
−HK$776/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,688
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,323
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,055
−HK$744/mo
Today · 4.125%
HK$28,799
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,598/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,653
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,545
−HK$905/mo
Today · 4.125%
HK$30,450
baseline
▲ 0.50% · 4.625%
HK$32,303
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,900/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,876
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,731
−HK$868/mo
Today · 4.125%
HK$33,599
baseline
▲ 0.50% · 4.625%
HK$35,370
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,198/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,840
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,986
−HK$1,164/mo
Today · 4.125%
HK$39,150
baseline
▲ 0.50% · 4.625%
HK$41,532
+HK$2,382/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,300/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,984
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,083
−HK$1,115/mo
Today · 4.125%
HK$43,198
baseline
▲ 0.50% · 4.625%
HK$45,475
+HK$2,277/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,396/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,268 · 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).