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$20,657
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,299
−HK$653/mo
Today · 4.125%
HK$21,952
baseline
▲ 0.50% · 4.625%
HK$23,288
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,904/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$275,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,980
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,597
−HK$625/mo
Today · 4.125%
HK$24,222
baseline
▲ 0.50% · 4.625%
HK$25,499
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,444/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$275,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,788
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,559
−HK$783/mo
Today · 4.125%
HK$26,342
baseline
▲ 0.50% · 4.625%
HK$27,945
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,684/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,576
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,316
−HK$750/mo
Today · 4.125%
HK$29,066
baseline
▲ 0.50% · 4.625%
HK$30,598
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,132/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,919
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$914/mo
Today · 4.125%
HK$30,733
baseline
▲ 0.50% · 4.625%
HK$32,603
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,466/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,172
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,035
−HK$876/mo
Today · 4.125%
HK$33,911
baseline
▲ 0.50% · 4.625%
HK$35,698
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,822/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,182
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,339
−HK$1,175/mo
Today · 4.125%
HK$39,514
baseline
▲ 0.50% · 4.625%
HK$41,918
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,028/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,365
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,474
−HK$1,125/mo
Today · 4.125%
HK$43,599
baseline
▲ 0.50% · 4.625%
HK$45,898
+HK$2,299/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,198/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,893 · 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).