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$20,628
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,270
−HK$652/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,256
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,949
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,564
−HK$624/mo
Today · 4.125%
HK$24,188
baseline
▲ 0.50% · 4.625%
HK$25,463
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,376/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,754
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,524
−HK$782/mo
Today · 4.125%
HK$26,306
baseline
▲ 0.50% · 4.625%
HK$27,907
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,612/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,538
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,277
−HK$749/mo
Today · 4.125%
HK$29,026
baseline
▲ 0.50% · 4.625%
HK$30,556
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,052/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,879
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,778
−HK$912/mo
Today · 4.125%
HK$30,690
baseline
▲ 0.50% · 4.625%
HK$32,558
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,380/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,128
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,990
−HK$874/mo
Today · 4.125%
HK$33,864
baseline
▲ 0.50% · 4.625%
HK$35,649
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,728/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,131
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,286
−HK$1,173/mo
Today · 4.125%
HK$39,459
baseline
▲ 0.50% · 4.625%
HK$41,860
+HK$2,401/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,918/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,307
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,415
−HK$1,124/mo
Today · 4.125%
HK$43,539
baseline
▲ 0.50% · 4.625%
HK$45,834
+HK$2,295/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,078/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,639 · 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).