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$20,454
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,090
−HK$647/mo
Today · 4.125%
HK$21,737
baseline
▲ 0.50% · 4.625%
HK$23,059
+HK$1,322/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,474/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,755
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$23,365
−HK$619/mo
Today · 4.125%
HK$23,984
baseline
▲ 0.50% · 4.625%
HK$25,248
+HK$1,264/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,968/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$269,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,545
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,308
−HK$776/mo
Today · 4.125%
HK$26,084
baseline
▲ 0.50% · 4.625%
HK$27,671
+HK$1,587/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,168/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,306
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,038
−HK$743/mo
Today · 4.125%
HK$28,781
baseline
▲ 0.50% · 4.625%
HK$30,298
+HK$1,517/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,562/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,636
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$29,526
−HK$905/mo
Today · 4.125%
HK$30,431
baseline
▲ 0.50% · 4.625%
HK$32,283
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,862/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,857
−HK$1,721/mo
▼ 0.25% · 3.875%
HK$32,711
−HK$867/mo
Today · 4.125%
HK$33,578
baseline
▲ 0.50% · 4.625%
HK$35,348
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,156/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,817
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,962
−HK$1,164/mo
Today · 4.125%
HK$39,126
baseline
▲ 0.50% · 4.625%
HK$41,507
+HK$2,381/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$78,252/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,959
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,057
−HK$1,115/mo
Today · 4.125%
HK$43,172
baseline
▲ 0.50% · 4.625%
HK$45,447
+HK$2,275/mo
Deposit HK$897K · loan HK$8.07M · min. income ≈ HK$86,344/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,101 · 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).