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$20,665
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,308
−HK$653/mo
Today · 4.125%
HK$21,961
baseline
▲ 0.50% · 4.625%
HK$23,298
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,922/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,990
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,607
−HK$625/mo
Today · 4.125%
HK$24,232
baseline
▲ 0.50% · 4.625%
HK$25,509
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,464/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,799
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,570
−HK$784/mo
Today · 4.125%
HK$26,354
baseline
▲ 0.50% · 4.625%
HK$27,957
+HK$1,603/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,708/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,588
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,328
−HK$751/mo
Today · 4.125%
HK$29,079
baseline
▲ 0.50% · 4.625%
HK$30,611
+HK$1,532/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,158/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,932
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,832
−HK$914/mo
Today · 4.125%
HK$30,746
baseline
▲ 0.50% · 4.625%
HK$32,617
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,492/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,186
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,049
−HK$876/mo
Today · 4.125%
HK$33,925
baseline
▲ 0.50% · 4.625%
HK$35,713
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,850/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,198
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,355
−HK$1,175/mo
Today · 4.125%
HK$39,530
baseline
▲ 0.50% · 4.625%
HK$41,936
+HK$2,406/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$79,060/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,382
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,492
−HK$1,126/mo
Today · 4.125%
HK$43,618
baseline
▲ 0.50% · 4.625%
HK$45,917
+HK$2,299/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$87,236/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,277 · 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).