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$20,549
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$650/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$23,166
+HK$1,328/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$271,171 · 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$25,366
+HK$1,270/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$271,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,659
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$779/mo
Today · 4.125%
HK$26,205
baseline
▲ 0.50% · 4.625%
HK$27,800
+HK$1,595/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,410/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,433
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,168
−HK$747/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,439
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,769
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,663
−HK$910/mo
Today · 4.125%
HK$30,573
baseline
▲ 0.50% · 4.625%
HK$32,433
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,146/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,005
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,863
−HK$871/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,512
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,988
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,139
−HK$1,169/mo
Today · 4.125%
HK$39,308
baseline
▲ 0.50% · 4.625%
HK$41,699
+HK$2,391/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,616/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,149
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,253
−HK$1,119/mo
Today · 4.125%
HK$43,372
baseline
▲ 0.50% · 4.625%
HK$45,658
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,744/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,171 · 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).