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$20,480
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,117
−HK$647/mo
Today · 4.125%
HK$21,764
baseline
▲ 0.50% · 4.625%
HK$23,088
+HK$1,324/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,528/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,784
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,395
−HK$620/mo
Today · 4.125%
HK$24,015
baseline
▲ 0.50% · 4.625%
HK$25,280
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,030/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,576
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$777/mo
Today · 4.125%
HK$26,117
baseline
▲ 0.50% · 4.625%
HK$27,706
+HK$1,589/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,234/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,340
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$28,074
−HK$743/mo
Today · 4.125%
HK$28,817
baseline
▲ 0.50% · 4.625%
HK$30,336
+HK$1,519/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,634/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,672
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$29,564
−HK$906/mo
Today · 4.125%
HK$30,470
baseline
▲ 0.50% · 4.625%
HK$32,324
+HK$1,854/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$60,940/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,897
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$32,752
−HK$868/mo
Today · 4.125%
HK$33,620
baseline
▲ 0.50% · 4.625%
HK$35,392
+HK$1,772/mo
Deposit HK$2.69M · loan HK$6.29M · min. income ≈ HK$67,240/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,864
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,010
−HK$1,165/mo
Today · 4.125%
HK$39,175
baseline
▲ 0.50% · 4.625%
HK$41,559
+HK$2,384/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$78,350/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,010
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,110
−HK$1,116/mo
Today · 4.125%
HK$43,226
baseline
▲ 0.50% · 4.625%
HK$45,505
+HK$2,279/mo
Deposit HK$898K · loan HK$8.08M · min. income ≈ HK$86,452/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,441 · 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).