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$20,590
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,231
−HK$650/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,213
+HK$1,332/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,906
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,521
−HK$623/mo
Today · 4.125%
HK$24,144
baseline
▲ 0.50% · 4.625%
HK$25,417
+HK$1,273/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,288/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,708
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,477
−HK$781/mo
Today · 4.125%
HK$26,258
baseline
▲ 0.50% · 4.625%
HK$27,855
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,516/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,488
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,225
−HK$748/mo
Today · 4.125%
HK$28,973
baseline
▲ 0.50% · 4.625%
HK$30,500
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,946/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,826
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,723
−HK$911/mo
Today · 4.125%
HK$30,634
baseline
▲ 0.50% · 4.625%
HK$32,498
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,268/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,069
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,929
−HK$873/mo
Today · 4.125%
HK$33,802
baseline
▲ 0.50% · 4.625%
HK$35,583
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,604/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,062
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,215
−HK$1,172/mo
Today · 4.125%
HK$39,387
baseline
▲ 0.50% · 4.625%
HK$41,783
+HK$2,396/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,774/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,232
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,337
−HK$1,122/mo
Today · 4.125%
HK$43,459
baseline
▲ 0.50% · 4.625%
HK$45,750
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,918/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,979 · 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).