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$20,493
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,131
−HK$647/mo
Today · 4.125%
HK$21,778
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,556/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,798
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,410
−HK$620/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,297
+HK$1,267/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,592
−HK$1,542/mo
▼ 0.25% · 3.875%
HK$25,357
−HK$777/mo
Today · 4.125%
HK$26,134
baseline
▲ 0.50% · 4.625%
HK$27,724
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,268/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,358
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,092
−HK$744/mo
Today · 4.125%
HK$28,836
baseline
▲ 0.50% · 4.625%
HK$30,356
+HK$1,520/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,672/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,690
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$29,583
−HK$907/mo
Today · 4.125%
HK$30,490
baseline
▲ 0.50% · 4.625%
HK$32,345
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,980/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,918
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,774
−HK$868/mo
Today · 4.125%
HK$33,642
baseline
▲ 0.50% · 4.625%
HK$35,416
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,284/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,888
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,035
−HK$1,166/mo
Today · 4.125%
HK$39,201
baseline
▲ 0.50% · 4.625%
HK$41,586
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,402/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,037
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,116/mo
Today · 4.125%
HK$43,254
baseline
▲ 0.50% · 4.625%
HK$45,534
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,508/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,617 · 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).