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$20,641
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,283
−HK$652/mo
Today · 4.125%
HK$21,935
baseline
▲ 0.50% · 4.625%
HK$23,270
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,870/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,963
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,579
−HK$624/mo
Today · 4.125%
HK$24,203
baseline
▲ 0.50% · 4.625%
HK$25,479
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,406/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,769
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,540
−HK$782/mo
Today · 4.125%
HK$26,322
baseline
▲ 0.50% · 4.625%
HK$27,924
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,644/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,555
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,294
−HK$750/mo
Today · 4.125%
HK$29,044
baseline
▲ 0.50% · 4.625%
HK$30,575
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,088/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,897
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,796
−HK$913/mo
Today · 4.125%
HK$30,709
baseline
▲ 0.50% · 4.625%
HK$32,578
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,418/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,148
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,010
−HK$875/mo
Today · 4.125%
HK$33,885
baseline
▲ 0.50% · 4.625%
HK$35,671
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,770/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,154
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,309
−HK$1,175/mo
Today · 4.125%
HK$39,484
baseline
▲ 0.50% · 4.625%
HK$41,886
+HK$2,402/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,968/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,333
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,442
−HK$1,124/mo
Today · 4.125%
HK$43,566
baseline
▲ 0.50% · 4.625%
HK$45,863
+HK$2,297/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,132/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,203 · 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).