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$20,471
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,108
−HK$647/mo
Today · 4.125%
HK$21,755
baseline
▲ 0.50% · 4.625%
HK$23,078
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,510/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,774
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,384
−HK$620/mo
Today · 4.125%
HK$24,004
baseline
▲ 0.50% · 4.625%
HK$25,269
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,008/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,565
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$777/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,328
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,061
−HK$744/mo
Today · 4.125%
HK$28,805
baseline
▲ 0.50% · 4.625%
HK$30,323
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,610/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,659
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$29,551
−HK$905/mo
Today · 4.125%
HK$30,456
baseline
▲ 0.50% · 4.625%
HK$32,310
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,912/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,883
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,738
−HK$868/mo
Today · 4.125%
HK$33,606
baseline
▲ 0.50% · 4.625%
HK$35,377
+HK$1,771/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,212/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,848
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,994
−HK$1,164/mo
Today · 4.125%
HK$39,158
baseline
▲ 0.50% · 4.625%
HK$41,541
+HK$2,383/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,316/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,993
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,092
−HK$1,115/mo
Today · 4.125%
HK$43,207
baseline
▲ 0.50% · 4.625%
HK$45,485
+HK$2,278/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,414/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,324 · 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).