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$20,455
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,091
−HK$647/mo
Today · 4.125%
HK$21,738
baseline
▲ 0.50% · 4.625%
HK$23,060
+HK$1,322/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,476/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,756
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,366
−HK$619/mo
Today · 4.125%
HK$23,985
baseline
▲ 0.50% · 4.625%
HK$25,250
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,970/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,546
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,310
−HK$775/mo
Today · 4.125%
HK$26,085
baseline
▲ 0.50% · 4.625%
HK$27,673
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,170/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,307
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,040
−HK$743/mo
Today · 4.125%
HK$28,783
baseline
▲ 0.50% · 4.625%
HK$30,300
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,566/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,637
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,528
−HK$905/mo
Today · 4.125%
HK$30,433
baseline
▲ 0.50% · 4.625%
HK$32,285
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,866/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,858
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,713
−HK$867/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,350
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,819
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,964
−HK$1,164/mo
Today · 4.125%
HK$39,128
baseline
▲ 0.50% · 4.625%
HK$41,509
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,256/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,961
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,059
−HK$1,115/mo
Today · 4.125%
HK$43,174
baseline
▲ 0.50% · 4.625%
HK$45,450
+HK$2,276/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,348/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,115 · 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).