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$20,676
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,319
−HK$654/mo
Today · 4.125%
HK$21,973
baseline
▲ 0.50% · 4.625%
HK$23,310
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,946/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,002
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,619
−HK$626/mo
Today · 4.125%
HK$24,245
baseline
▲ 0.50% · 4.625%
HK$25,523
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,490/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,811
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,583
−HK$784/mo
Today · 4.125%
HK$26,367
baseline
▲ 0.50% · 4.625%
HK$27,972
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,734/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,602
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,343
−HK$751/mo
Today · 4.125%
HK$29,094
baseline
▲ 0.50% · 4.625%
HK$30,627
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,188/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,947
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,847
−HK$915/mo
Today · 4.125%
HK$30,762
baseline
▲ 0.50% · 4.625%
HK$32,634
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,524/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,203
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,066
−HK$877/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$35,732
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,217
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,375
−HK$1,176/mo
Today · 4.125%
HK$39,551
baseline
▲ 0.50% · 4.625%
HK$41,957
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,102/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,404
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,514
−HK$1,126/mo
Today · 4.125%
HK$43,640
baseline
▲ 0.50% · 4.625%
HK$45,941
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,280/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,745 · 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).