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$20,621
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,262
−HK$652/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,247
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,940
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,555
−HK$625/mo
Today · 4.125%
HK$24,180
baseline
▲ 0.50% · 4.625%
HK$25,454
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,360/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,745
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,514
−HK$782/mo
Today · 4.125%
HK$26,296
baseline
▲ 0.50% · 4.625%
HK$27,897
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,592/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,528
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,267
−HK$749/mo
Today · 4.125%
HK$29,016
baseline
▲ 0.50% · 4.625%
HK$30,545
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,032/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,869
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,767
−HK$912/mo
Today · 4.125%
HK$30,679
baseline
▲ 0.50% · 4.625%
HK$32,546
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,358/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,116
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,978
−HK$873/mo
Today · 4.125%
HK$33,851
baseline
▲ 0.50% · 4.625%
HK$35,636
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,702/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,117
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,272
−HK$1,173/mo
Today · 4.125%
HK$39,445
baseline
▲ 0.50% · 4.625%
HK$41,845
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,890/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,292
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,400
−HK$1,123/mo
Today · 4.125%
HK$43,523
baseline
▲ 0.50% · 4.625%
HK$45,817
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,046/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,312 · 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).