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$20,634
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,276
−HK$652/mo
Today · 4.125%
HK$21,928
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,856/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,955
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$624/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,276/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,761
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,531
−HK$783/mo
Today · 4.125%
HK$26,314
baseline
▲ 0.50% · 4.625%
HK$27,915
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,628/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,546
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,285
−HK$750/mo
Today · 4.125%
HK$29,035
baseline
▲ 0.50% · 4.625%
HK$30,565
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,070/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,888
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,786
−HK$913/mo
Today · 4.125%
HK$30,699
baseline
▲ 0.50% · 4.625%
HK$32,567
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,398/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,137
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$32,999
−HK$875/mo
Today · 4.125%
HK$33,874
baseline
▲ 0.50% · 4.625%
HK$35,659
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,748/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,141
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,297
−HK$1,174/mo
Today · 4.125%
HK$39,471
baseline
▲ 0.50% · 4.625%
HK$41,872
+HK$2,401/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,942/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,319
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,124/mo
Today · 4.125%
HK$43,552
baseline
▲ 0.50% · 4.625%
HK$45,848
+HK$2,296/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,104/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,904 · 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).