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$20,615
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,256
−HK$651/mo
Today · 4.125%
HK$21,907
baseline
▲ 0.50% · 4.625%
HK$23,240
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,814/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,934
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$624/mo
Today · 4.125%
HK$24,173
baseline
▲ 0.50% · 4.625%
HK$25,447
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,346/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,738
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,507
−HK$782/mo
Today · 4.125%
HK$26,289
baseline
▲ 0.50% · 4.625%
HK$27,889
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,578/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,520
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,258
−HK$749/mo
Today · 4.125%
HK$29,007
baseline
▲ 0.50% · 4.625%
HK$30,536
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,014/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,861
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$912/mo
Today · 4.125%
HK$30,670
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,340/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,107
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,968
−HK$874/mo
Today · 4.125%
HK$33,842
baseline
▲ 0.50% · 4.625%
HK$35,626
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,684/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,106
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,261
−HK$1,172/mo
Today · 4.125%
HK$39,433
baseline
▲ 0.50% · 4.625%
HK$41,833
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,866/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,281
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,388
−HK$1,123/mo
Today · 4.125%
HK$43,511
baseline
▲ 0.50% · 4.625%
HK$45,804
+HK$2,293/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,022/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,052 · 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).