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$20,565
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,205
−HK$650/mo
Today · 4.125%
HK$21,855
baseline
▲ 0.50% · 4.625%
HK$23,184
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,710/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,878
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,492
−HK$622/mo
Today · 4.125%
HK$24,114
baseline
▲ 0.50% · 4.625%
HK$25,385
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,228/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,678
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,446
−HK$779/mo
Today · 4.125%
HK$26,225
baseline
▲ 0.50% · 4.625%
HK$27,821
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,450/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,454
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,190
−HK$747/mo
Today · 4.125%
HK$28,937
baseline
▲ 0.50% · 4.625%
HK$30,463
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,874/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,791
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,686
−HK$910/mo
Today · 4.125%
HK$30,596
baseline
▲ 0.50% · 4.625%
HK$32,458
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,192/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,030
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,889
−HK$871/mo
Today · 4.125%
HK$33,760
baseline
▲ 0.50% · 4.625%
HK$35,540
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,520/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,017
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,168
−HK$1,170/mo
Today · 4.125%
HK$39,338
baseline
▲ 0.50% · 4.625%
HK$41,732
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,676/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,181
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,285
−HK$1,121/mo
Today · 4.125%
HK$43,406
baseline
▲ 0.50% · 4.625%
HK$45,694
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,812/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,871 · 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).