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$20,575
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,215
−HK$651/mo
Today · 4.125%
HK$21,866
baseline
▲ 0.50% · 4.625%
HK$23,196
+HK$1,330/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$272,328 · 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$25,398
+HK$1,271/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$272,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,690
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$781/mo
Today · 4.125%
HK$26,239
baseline
▲ 0.50% · 4.625%
HK$27,835
+HK$1,596/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$272,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,468
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,205
−HK$747/mo
Today · 4.125%
HK$28,952
baseline
▲ 0.50% · 4.625%
HK$30,478
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,904/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,806
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,702
−HK$910/mo
Today · 4.125%
HK$30,612
baseline
▲ 0.50% · 4.625%
HK$32,475
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,224/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,046
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,905
−HK$872/mo
Today · 4.125%
HK$33,777
baseline
▲ 0.50% · 4.625%
HK$35,558
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,554/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,036
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,188
−HK$1,170/mo
Today · 4.125%
HK$39,358
baseline
▲ 0.50% · 4.625%
HK$41,753
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,716/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,202
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,307
−HK$1,121/mo
Today · 4.125%
HK$43,428
baseline
▲ 0.50% · 4.625%
HK$45,717
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,856/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,328 · 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).