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$20,561
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,201
−HK$649/mo
Today · 4.125%
HK$21,850
baseline
▲ 0.50% · 4.625%
HK$23,180
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,700/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,874
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,488
−HK$622/mo
Today · 4.125%
HK$24,110
baseline
▲ 0.50% · 4.625%
HK$25,381
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,220/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,673
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,441
−HK$780/mo
Today · 4.125%
HK$26,221
baseline
▲ 0.50% · 4.625%
HK$27,816
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,442/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,449
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,185
−HK$747/mo
Today · 4.125%
HK$28,932
baseline
▲ 0.50% · 4.625%
HK$30,457
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,864/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,786
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,681
−HK$910/mo
Today · 4.125%
HK$30,591
baseline
▲ 0.50% · 4.625%
HK$32,452
+HK$1,861/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,182/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,024
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,883
−HK$871/mo
Today · 4.125%
HK$33,754
baseline
▲ 0.50% · 4.625%
HK$35,533
+HK$1,779/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,508/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,010
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,161
−HK$1,170/mo
Today · 4.125%
HK$39,331
baseline
▲ 0.50% · 4.625%
HK$41,724
+HK$2,393/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,662/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,173
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,278
−HK$1,120/mo
Today · 4.125%
HK$43,398
baseline
▲ 0.50% · 4.625%
HK$45,685
+HK$2,287/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,796/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,703 · 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).