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$20,677
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,320
−HK$653/mo
Today · 4.125%
HK$21,973
baseline
▲ 0.50% · 4.625%
HK$23,310
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,946/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,003
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,619
−HK$626/mo
Today · 4.125%
HK$24,245
baseline
▲ 0.50% · 4.625%
HK$25,523
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,490/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,812
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$784/mo
Today · 4.125%
HK$26,368
baseline
▲ 0.50% · 4.625%
HK$27,972
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,736/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,603
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,343
−HK$751/mo
Today · 4.125%
HK$29,094
baseline
▲ 0.50% · 4.625%
HK$30,628
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,188/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,947
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,848
−HK$915/mo
Today · 4.125%
HK$30,763
baseline
▲ 0.50% · 4.625%
HK$32,634
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,526/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,204
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,067
−HK$876/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$35,733
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,218
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,376
−HK$1,176/mo
Today · 4.125%
HK$39,552
baseline
▲ 0.50% · 4.625%
HK$41,958
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,104/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,405
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,515
−HK$1,127/mo
Today · 4.125%
HK$43,642
baseline
▲ 0.50% · 4.625%
HK$45,942
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,284/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,769 · 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).