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$20,461
−HK$1,283/mo
▼ 0.25% · 3.875%
HK$21,097
−HK$647/mo
Today · 4.125%
HK$21,744
baseline
▲ 0.50% · 4.625%
HK$23,067
+HK$1,323/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,488/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,762
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$23,373
−HK$619/mo
Today · 4.125%
HK$23,992
baseline
▲ 0.50% · 4.625%
HK$25,257
+HK$1,265/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$47,984/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,553
−HK$1,539/mo
▼ 0.25% · 3.875%
HK$25,316
−HK$776/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,680
+HK$1,588/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,315
−HK$1,475/mo
▼ 0.25% · 3.875%
HK$28,047
−HK$743/mo
Today · 4.125%
HK$28,790
baseline
▲ 0.50% · 4.625%
HK$30,308
+HK$1,518/mo
Deposit HK$3.59M · loan HK$5.38M · min. income ≈ HK$57,580/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,645
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$29,536
−HK$905/mo
Today · 4.125%
HK$30,441
baseline
▲ 0.50% · 4.625%
HK$32,293
+HK$1,852/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$60,882/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,867
−HK$1,722/mo
▼ 0.25% · 3.875%
HK$32,722
−HK$867/mo
Today · 4.125%
HK$33,589
baseline
▲ 0.50% · 4.625%
HK$35,359
+HK$1,770/mo
Deposit HK$2.69M · loan HK$6.28M · min. income ≈ HK$67,178/mo (50% DSR)
Upfront cash ≈ HK$2.96M (deposit + AVD stamp duty HK$269,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,829
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,975
−HK$1,164/mo
Today · 4.125%
HK$39,139
baseline
▲ 0.50% · 4.625%
HK$41,520
+HK$2,381/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$78,278/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,972
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,071
−HK$1,114/mo
Today · 4.125%
HK$43,185
baseline
▲ 0.50% · 4.625%
HK$45,462
+HK$2,277/mo
Deposit HK$897K · loan HK$8.08M · min. income ≈ HK$86,370/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,188 · 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).