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$20,582
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,222
−HK$651/mo
Today · 4.125%
HK$21,873
baseline
▲ 0.50% · 4.625%
HK$23,204
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,746/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,897
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,512
−HK$622/mo
Today · 4.125%
HK$24,134
baseline
▲ 0.50% · 4.625%
HK$25,407
+HK$1,273/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,268/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,699
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,467
−HK$780/mo
Today · 4.125%
HK$26,247
baseline
▲ 0.50% · 4.625%
HK$27,844
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,494/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,477
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,214
−HK$747/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,488
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,815
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,711
−HK$911/mo
Today · 4.125%
HK$30,622
baseline
▲ 0.50% · 4.625%
HK$32,485
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,244/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,056
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,916
−HK$872/mo
Today · 4.125%
HK$33,788
baseline
▲ 0.50% · 4.625%
HK$35,569
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,576/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,048
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,200
−HK$1,171/mo
Today · 4.125%
HK$39,371
baseline
▲ 0.50% · 4.625%
HK$41,767
+HK$2,396/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$78,742/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,215
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,321
−HK$1,121/mo
Today · 4.125%
HK$43,442
baseline
▲ 0.50% · 4.625%
HK$45,732
+HK$2,290/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$86,884/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,624 · 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).