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$20,663
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,305
−HK$653/mo
Today · 4.125%
HK$21,958
baseline
▲ 0.50% · 4.625%
HK$23,294
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,916/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,987
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,603
−HK$626/mo
Today · 4.125%
HK$24,229
baseline
▲ 0.50% · 4.625%
HK$25,506
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,458/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,795
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,566
−HK$784/mo
Today · 4.125%
HK$26,350
baseline
▲ 0.50% · 4.625%
HK$27,953
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,700/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,584
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,324
−HK$751/mo
Today · 4.125%
HK$29,075
baseline
▲ 0.50% · 4.625%
HK$30,607
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,150/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,928
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,827
−HK$915/mo
Today · 4.125%
HK$30,742
baseline
▲ 0.50% · 4.625%
HK$32,612
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,484/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,182
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,045
−HK$875/mo
Today · 4.125%
HK$33,920
baseline
▲ 0.50% · 4.625%
HK$35,708
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,840/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,193
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,349
−HK$1,176/mo
Today · 4.125%
HK$39,525
baseline
▲ 0.50% · 4.625%
HK$41,930
+HK$2,405/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$79,050/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,376
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,486
−HK$1,126/mo
Today · 4.125%
HK$43,612
baseline
▲ 0.50% · 4.625%
HK$45,911
+HK$2,299/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$87,224/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,150 · 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).