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$20,627
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,269
−HK$652/mo
Today · 4.125%
HK$21,921
baseline
▲ 0.50% · 4.625%
HK$23,254
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,842/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,947
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,563
−HK$624/mo
Today · 4.125%
HK$24,187
baseline
▲ 0.50% · 4.625%
HK$25,462
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,374/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,752
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,522
−HK$783/mo
Today · 4.125%
HK$26,305
baseline
▲ 0.50% · 4.625%
HK$27,905
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,610/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,537
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,275
−HK$750/mo
Today · 4.125%
HK$29,025
baseline
▲ 0.50% · 4.625%
HK$30,554
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,050/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,878
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,776
−HK$913/mo
Today · 4.125%
HK$30,689
baseline
▲ 0.50% · 4.625%
HK$32,556
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,378/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,126
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,988
−HK$874/mo
Today · 4.125%
HK$33,862
baseline
▲ 0.50% · 4.625%
HK$35,647
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,724/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,129
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,284
−HK$1,173/mo
Today · 4.125%
HK$39,457
baseline
▲ 0.50% · 4.625%
HK$41,858
+HK$2,401/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,914/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,305
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,413
−HK$1,124/mo
Today · 4.125%
HK$43,537
baseline
▲ 0.50% · 4.625%
HK$45,832
+HK$2,295/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,074/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,593 · 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).