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$20,574
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,213
−HK$651/mo
Today · 4.125%
HK$21,864
baseline
▲ 0.50% · 4.625%
HK$23,194
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,728/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,888
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,502
−HK$622/mo
Today · 4.125%
HK$24,124
baseline
▲ 0.50% · 4.625%
HK$25,396
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,248/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,688
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$780/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,833
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,465
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,202
−HK$747/mo
Today · 4.125%
HK$28,949
baseline
▲ 0.50% · 4.625%
HK$30,475
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,898/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,803
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,699
−HK$910/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,472
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,043
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,902
−HK$872/mo
Today · 4.125%
HK$33,774
baseline
▲ 0.50% · 4.625%
HK$35,554
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,548/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,032
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,184
−HK$1,171/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,749
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,710/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,303
−HK$1,121/mo
Today · 4.125%
HK$43,424
baseline
▲ 0.50% · 4.625%
HK$45,713
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,848/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,247 · 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).