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$20,666
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$653/mo
Today · 4.125%
HK$21,962
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,924/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,990
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,607
−HK$626/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,510
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,466/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,799
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,570
−HK$784/mo
Today · 4.125%
HK$26,354
baseline
▲ 0.50% · 4.625%
HK$27,958
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,708/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,589
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,328
−HK$751/mo
Today · 4.125%
HK$29,079
baseline
▲ 0.50% · 4.625%
HK$30,612
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,158/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,932
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,832
−HK$914/mo
Today · 4.125%
HK$30,746
baseline
▲ 0.50% · 4.625%
HK$32,617
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,492/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,187
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,050
−HK$876/mo
Today · 4.125%
HK$33,926
baseline
▲ 0.50% · 4.625%
HK$35,714
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,852/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,198
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,355
−HK$1,176/mo
Today · 4.125%
HK$39,531
baseline
▲ 0.50% · 4.625%
HK$41,936
+HK$2,405/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$79,062/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,383
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,493
−HK$1,126/mo
Today · 4.125%
HK$43,619
baseline
▲ 0.50% · 4.625%
HK$45,918
+HK$2,299/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$87,238/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,291 · 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).