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$20,469
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,105
−HK$647/mo
Today · 4.125%
HK$21,752
baseline
▲ 0.50% · 4.625%
HK$23,076
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,504/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,771
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,382
−HK$620/mo
Today · 4.125%
HK$24,002
baseline
▲ 0.50% · 4.625%
HK$25,267
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,004/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,563
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,327
−HK$776/mo
Today · 4.125%
HK$26,103
baseline
▲ 0.50% · 4.625%
HK$27,691
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,206/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,326
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,058
−HK$744/mo
Today · 4.125%
HK$28,802
baseline
▲ 0.50% · 4.625%
HK$30,320
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,604/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,656
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,548
−HK$905/mo
Today · 4.125%
HK$30,453
baseline
▲ 0.50% · 4.625%
HK$32,306
+HK$1,853/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,906/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,880
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,735
−HK$867/mo
Today · 4.125%
HK$33,602
baseline
▲ 0.50% · 4.625%
HK$35,373
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,204/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,844
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,990
−HK$1,164/mo
Today · 4.125%
HK$39,154
baseline
▲ 0.50% · 4.625%
HK$41,537
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,308/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,988
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,088
−HK$1,115/mo
Today · 4.125%
HK$43,203
baseline
▲ 0.50% · 4.625%
HK$45,480
+HK$2,277/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,406/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,296 · 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).