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$20,634
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,276
−HK$652/mo
Today · 4.125%
HK$21,928
baseline
▲ 0.50% · 4.625%
HK$23,263
+HK$1,335/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,856/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,956
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,571
−HK$625/mo
Today · 4.125%
HK$24,196
baseline
▲ 0.50% · 4.625%
HK$25,471
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,392/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,761
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,532
−HK$782/mo
Today · 4.125%
HK$26,314
baseline
▲ 0.50% · 4.625%
HK$27,915
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,628/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,547
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,286
−HK$749/mo
Today · 4.125%
HK$29,035
baseline
▲ 0.50% · 4.625%
HK$30,566
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,070/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,888
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,787
−HK$913/mo
Today · 4.125%
HK$30,700
baseline
▲ 0.50% · 4.625%
HK$32,568
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,400/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,138
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,000
−HK$874/mo
Today · 4.125%
HK$33,874
baseline
▲ 0.50% · 4.625%
HK$35,660
+HK$1,786/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,748/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,142
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,297
−HK$1,174/mo
Today · 4.125%
HK$39,471
baseline
▲ 0.50% · 4.625%
HK$41,873
+HK$2,402/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,942/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,320
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,428
−HK$1,125/mo
Today · 4.125%
HK$43,553
baseline
▲ 0.50% · 4.625%
HK$45,848
+HK$2,295/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,106/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,920 · 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).