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$20,601
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,242
−HK$651/mo
Today · 4.125%
HK$21,893
baseline
▲ 0.50% · 4.625%
HK$23,225
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,786/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,534
−HK$623/mo
Today · 4.125%
HK$24,157
baseline
▲ 0.50% · 4.625%
HK$25,430
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,314/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,722
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$781/mo
Today · 4.125%
HK$26,272
baseline
▲ 0.50% · 4.625%
HK$27,871
+HK$1,599/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,544/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,503
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,240
−HK$749/mo
Today · 4.125%
HK$28,989
baseline
▲ 0.50% · 4.625%
HK$30,517
+HK$1,528/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,978/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,842
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,739
−HK$912/mo
Today · 4.125%
HK$30,651
baseline
▲ 0.50% · 4.625%
HK$32,516
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,302/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,086
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,947
−HK$873/mo
Today · 4.125%
HK$33,820
baseline
▲ 0.50% · 4.625%
HK$35,603
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,640/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,083
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,236
−HK$1,172/mo
Today · 4.125%
HK$39,408
baseline
▲ 0.50% · 4.625%
HK$41,806
+HK$2,398/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,816/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,254
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,360
−HK$1,123/mo
Today · 4.125%
HK$43,483
baseline
▲ 0.50% · 4.625%
HK$45,775
+HK$2,292/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,966/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,470 · 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).