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$20,680
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,324
−HK$653/mo
Today · 4.125%
HK$21,977
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,954/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,007
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,624
−HK$626/mo
Today · 4.125%
HK$24,250
baseline
▲ 0.50% · 4.625%
HK$25,528
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,500/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,816
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$785/mo
Today · 4.125%
HK$26,373
baseline
▲ 0.50% · 4.625%
HK$27,977
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,746/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,608
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,348
−HK$752/mo
Today · 4.125%
HK$29,100
baseline
▲ 0.50% · 4.625%
HK$30,633
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,200/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,953
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$915/mo
Today · 4.125%
HK$30,768
baseline
▲ 0.50% · 4.625%
HK$32,640
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,536/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,209
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,073
−HK$877/mo
Today · 4.125%
HK$33,950
baseline
▲ 0.50% · 4.625%
HK$35,739
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,900/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,225
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,383
−HK$1,176/mo
Today · 4.125%
HK$39,559
baseline
▲ 0.50% · 4.625%
HK$41,966
+HK$2,407/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,118/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,412
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,523
−HK$1,126/mo
Today · 4.125%
HK$43,649
baseline
▲ 0.50% · 4.625%
HK$45,950
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,298/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,932 · 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).