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$20,576
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,216
−HK$650/mo
Today · 4.125%
HK$21,866
baseline
▲ 0.50% · 4.625%
HK$23,197
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,732/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,890
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$623/mo
Today · 4.125%
HK$24,127
baseline
▲ 0.50% · 4.625%
HK$25,399
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,254/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,691
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,459
−HK$780/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,836
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,478/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,205
−HK$748/mo
Today · 4.125%
HK$28,953
baseline
▲ 0.50% · 4.625%
HK$30,479
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,906/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,806
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,702
−HK$911/mo
Today · 4.125%
HK$30,613
baseline
▲ 0.50% · 4.625%
HK$32,475
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,226/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,047
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$872/mo
Today · 4.125%
HK$33,778
baseline
▲ 0.50% · 4.625%
HK$35,558
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,556/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,036
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,189
−HK$1,170/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,754
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,203
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,308
−HK$1,121/mo
Today · 4.125%
HK$43,429
baseline
▲ 0.50% · 4.625%
HK$45,718
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,858/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,348 · 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).