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$20,572
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,212
−HK$651/mo
Today · 4.125%
HK$21,863
baseline
▲ 0.50% · 4.625%
HK$23,193
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,726/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,887
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,500
−HK$623/mo
Today · 4.125%
HK$24,123
baseline
▲ 0.50% · 4.625%
HK$25,395
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,246/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,455
−HK$780/mo
Today · 4.125%
HK$26,235
baseline
▲ 0.50% · 4.625%
HK$27,831
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,470/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,464
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,201
−HK$747/mo
Today · 4.125%
HK$28,948
baseline
▲ 0.50% · 4.625%
HK$30,474
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,896/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,801
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,697
−HK$911/mo
Today · 4.125%
HK$30,608
baseline
▲ 0.50% · 4.625%
HK$32,470
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,216/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,041
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,901
−HK$871/mo
Today · 4.125%
HK$33,772
baseline
▲ 0.50% · 4.625%
HK$35,553
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,544/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,030
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,182
−HK$1,171/mo
Today · 4.125%
HK$39,353
baseline
▲ 0.50% · 4.625%
HK$41,747
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,706/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,196
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,301
−HK$1,121/mo
Today · 4.125%
HK$43,422
baseline
▲ 0.50% · 4.625%
HK$45,710
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,844/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,199 · 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).