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$20,617
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,258
−HK$651/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,243
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,936
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,551
−HK$624/mo
Today · 4.125%
HK$24,175
baseline
▲ 0.50% · 4.625%
HK$25,449
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,350/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,740
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,509
−HK$782/mo
Today · 4.125%
HK$26,291
baseline
▲ 0.50% · 4.625%
HK$27,891
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,582/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,523
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,261
−HK$749/mo
Today · 4.125%
HK$29,010
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,020/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,863
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,761
−HK$912/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,540
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,110
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,971
−HK$874/mo
Today · 4.125%
HK$33,845
baseline
▲ 0.50% · 4.625%
HK$35,629
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,690/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,110
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,264
−HK$1,173/mo
Today · 4.125%
HK$39,437
baseline
▲ 0.50% · 4.625%
HK$41,837
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,874/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,284
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,392
−HK$1,123/mo
Today · 4.125%
HK$43,515
baseline
▲ 0.50% · 4.625%
HK$45,809
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,030/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,136 · 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).