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$20,655
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,298
−HK$653/mo
Today · 4.125%
HK$21,951
baseline
▲ 0.50% · 4.625%
HK$23,286
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,902/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,979
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,595
−HK$625/mo
Today · 4.125%
HK$24,220
baseline
▲ 0.50% · 4.625%
HK$25,497
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,440/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,786
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,557
−HK$784/mo
Today · 4.125%
HK$26,341
baseline
▲ 0.50% · 4.625%
HK$27,943
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,682/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,575
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,314
−HK$750/mo
Today · 4.125%
HK$29,064
baseline
▲ 0.50% · 4.625%
HK$30,596
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,128/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,917
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,817
−HK$914/mo
Today · 4.125%
HK$30,731
baseline
▲ 0.50% · 4.625%
HK$32,601
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,462/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,170
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,033
−HK$875/mo
Today · 4.125%
HK$33,908
baseline
▲ 0.50% · 4.625%
HK$35,696
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,816/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,180
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,336
−HK$1,175/mo
Today · 4.125%
HK$39,511
baseline
▲ 0.50% · 4.625%
HK$41,915
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,022/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,362
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,471
−HK$1,126/mo
Today · 4.125%
HK$43,597
baseline
▲ 0.50% · 4.625%
HK$45,895
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,194/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,833 · 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).