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$20,550
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,189
−HK$649/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$23,167
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,676/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,861
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,474
−HK$622/mo
Today · 4.125%
HK$24,096
baseline
▲ 0.50% · 4.625%
HK$25,367
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,192/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,660
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$779/mo
Today · 4.125%
HK$26,206
baseline
▲ 0.50% · 4.625%
HK$27,801
+HK$1,595/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,412/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,434
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,169
−HK$747/mo
Today · 4.125%
HK$28,916
baseline
▲ 0.50% · 4.625%
HK$30,440
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,832/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,770
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,664
−HK$910/mo
Today · 4.125%
HK$30,574
baseline
▲ 0.50% · 4.625%
HK$32,434
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,148/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,006
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,864
−HK$871/mo
Today · 4.125%
HK$33,735
baseline
▲ 0.50% · 4.625%
HK$35,513
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,470/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,989
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,140
−HK$1,169/mo
Today · 4.125%
HK$39,309
baseline
▲ 0.50% · 4.625%
HK$41,701
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,618/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,150
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,254
−HK$1,120/mo
Today · 4.125%
HK$43,374
baseline
▲ 0.50% · 4.625%
HK$45,660
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,748/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,200 · 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).