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$20,631
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,273
−HK$652/mo
Today · 4.125%
HK$21,925
baseline
▲ 0.50% · 4.625%
HK$23,259
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,850/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,952
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,568
−HK$624/mo
Today · 4.125%
HK$24,192
baseline
▲ 0.50% · 4.625%
HK$25,468
+HK$1,276/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,384/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,758
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,528
−HK$782/mo
Today · 4.125%
HK$26,310
baseline
▲ 0.50% · 4.625%
HK$27,911
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,620/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,543
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,281
−HK$750/mo
Today · 4.125%
HK$29,031
baseline
▲ 0.50% · 4.625%
HK$30,561
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,062/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,884
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,783
−HK$912/mo
Today · 4.125%
HK$30,695
baseline
▲ 0.50% · 4.625%
HK$32,563
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,390/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,133
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,995
−HK$874/mo
Today · 4.125%
HK$33,869
baseline
▲ 0.50% · 4.625%
HK$35,655
+HK$1,786/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,738/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,137
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,292
−HK$1,173/mo
Today · 4.125%
HK$39,465
baseline
▲ 0.50% · 4.625%
HK$41,867
+HK$2,402/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,930/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,314
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,422
−HK$1,124/mo
Today · 4.125%
HK$43,546
baseline
▲ 0.50% · 4.625%
HK$45,842
+HK$2,296/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,092/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,788 · 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).