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$20,675
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,319
−HK$653/mo
Today · 4.125%
HK$21,972
baseline
▲ 0.50% · 4.625%
HK$23,309
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,944/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,001
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,618
−HK$626/mo
Today · 4.125%
HK$24,244
baseline
▲ 0.50% · 4.625%
HK$25,522
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,488/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,811
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$784/mo
Today · 4.125%
HK$26,366
baseline
▲ 0.50% · 4.625%
HK$27,971
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,732/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,602
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,342
−HK$751/mo
Today · 4.125%
HK$29,093
baseline
▲ 0.50% · 4.625%
HK$30,626
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,186/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,946
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,846
−HK$915/mo
Today · 4.125%
HK$30,761
baseline
▲ 0.50% · 4.625%
HK$32,633
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,522/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,202
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,065
−HK$877/mo
Today · 4.125%
HK$33,942
baseline
▲ 0.50% · 4.625%
HK$35,731
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,884/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,216
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,374
−HK$1,176/mo
Today · 4.125%
HK$39,550
baseline
▲ 0.50% · 4.625%
HK$41,956
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,100/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,402
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,513
−HK$1,126/mo
Today · 4.125%
HK$43,639
baseline
▲ 0.50% · 4.625%
HK$45,939
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,278/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,718 · 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).