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$20,660
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,303
−HK$653/mo
Today · 4.125%
HK$21,956
baseline
▲ 0.50% · 4.625%
HK$23,292
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,912/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,984
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,601
−HK$625/mo
Today · 4.125%
HK$24,226
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,452/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,563
−HK$784/mo
Today · 4.125%
HK$26,347
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,694/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,321
−HK$750/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,603
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,924
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,824
−HK$914/mo
Today · 4.125%
HK$30,738
baseline
▲ 0.50% · 4.625%
HK$32,608
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,476/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,178
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$875/mo
Today · 4.125%
HK$33,916
baseline
▲ 0.50% · 4.625%
HK$35,704
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,832/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,188
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,345
−HK$1,175/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,405/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,040/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,371
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,481
−HK$1,126/mo
Today · 4.125%
HK$43,607
baseline
▲ 0.50% · 4.625%
HK$45,905
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,214/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,043 · 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).