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$20,492
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,129
−HK$648/mo
Today · 4.125%
HK$21,777
baseline
▲ 0.50% · 4.625%
HK$23,102
+HK$1,325/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$43,554/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,797
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,409
−HK$620/mo
Today · 4.125%
HK$24,029
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,266/mo
Deposit HK$4.49M · loan HK$4.49M · min. income ≈ HK$48,058/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$269,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,590
−HK$1,543/mo
▼ 0.25% · 3.875%
HK$25,355
−HK$778/mo
Today · 4.125%
HK$26,133
baseline
▲ 0.50% · 4.625%
HK$27,723
+HK$1,590/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$52,266/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,357
−HK$1,478/mo
▼ 0.25% · 3.875%
HK$28,090
−HK$745/mo
Today · 4.125%
HK$28,835
baseline
▲ 0.50% · 4.625%
HK$30,355
+HK$1,520/mo
Deposit HK$3.59M · loan HK$5.39M · min. income ≈ HK$57,670/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$269,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,689
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$29,581
−HK$907/mo
Today · 4.125%
HK$30,488
baseline
▲ 0.50% · 4.625%
HK$32,343
+HK$1,855/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$60,976/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,916
−HK$1,724/mo
▼ 0.25% · 3.875%
HK$32,772
−HK$868/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,414
+HK$1,774/mo
Deposit HK$2.70M · loan HK$6.29M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$269,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,886
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,033
−HK$1,166/mo
Today · 4.125%
HK$39,199
baseline
▲ 0.50% · 4.625%
HK$41,584
+HK$2,385/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$78,398/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,035
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,136
−HK$1,116/mo
Today · 4.125%
HK$43,252
baseline
▲ 0.50% · 4.625%
HK$45,532
+HK$2,280/mo
Deposit HK$899K · loan HK$8.09M · min. income ≈ HK$86,504/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$269,603 · 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).