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$20,449
−HK$1,282/mo
▼ 0.25% · 3.875%
HK$21,085
−HK$646/mo
Today · 4.125%
HK$21,731
baseline
▲ 0.50% · 4.625%
HK$23,053
+HK$1,322/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$43,462/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,749
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,359
−HK$619/mo
Today · 4.125%
HK$23,978
baseline
▲ 0.50% · 4.625%
HK$25,242
+HK$1,264/mo
Deposit HK$4.48M · loan HK$4.48M · min. income ≈ HK$47,956/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,538
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,302
−HK$775/mo
Today · 4.125%
HK$26,077
baseline
▲ 0.50% · 4.625%
HK$27,664
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,154/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,299
−HK$1,474/mo
▼ 0.25% · 3.875%
HK$28,031
−HK$742/mo
Today · 4.125%
HK$28,773
baseline
▲ 0.50% · 4.625%
HK$30,290
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,546/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,628
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,518
−HK$905/mo
Today · 4.125%
HK$30,423
baseline
▲ 0.50% · 4.625%
HK$32,274
+HK$1,851/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,846/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,848
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,703
−HK$866/mo
Today · 4.125%
HK$33,569
baseline
▲ 0.50% · 4.625%
HK$35,339
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,138/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,807
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,952
−HK$1,164/mo
Today · 4.125%
HK$39,116
baseline
▲ 0.50% · 4.625%
HK$41,496
+HK$2,380/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,232/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,948
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,046
−HK$1,114/mo
Today · 4.125%
HK$43,160
baseline
▲ 0.50% · 4.625%
HK$45,435
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,320/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,030 · 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).