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$20,611
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$651/mo
Today · 4.125%
HK$21,903
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,806/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,929
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,544
−HK$624/mo
Today · 4.125%
HK$24,168
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,336/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,733
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,502
−HK$782/mo
Today · 4.125%
HK$26,284
baseline
▲ 0.50% · 4.625%
HK$27,883
+HK$1,599/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,568/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,515
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,253
−HK$749/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,530
+HK$1,528/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,855
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,753
−HK$911/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,530
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,101
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,962
−HK$873/mo
Today · 4.125%
HK$33,835
baseline
▲ 0.50% · 4.625%
HK$35,619
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,670/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,099
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,253
−HK$1,173/mo
Today · 4.125%
HK$39,426
baseline
▲ 0.50% · 4.625%
HK$41,825
+HK$2,399/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,852/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,273
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,379
−HK$1,123/mo
Today · 4.125%
HK$43,502
baseline
▲ 0.50% · 4.625%
HK$45,795
+HK$2,293/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$87,004/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,876 · 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).