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$20,626
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,268
−HK$652/mo
Today · 4.125%
HK$21,920
baseline
▲ 0.50% · 4.625%
HK$23,254
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,840/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,947
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,562
−HK$624/mo
Today · 4.125%
HK$24,186
baseline
▲ 0.50% · 4.625%
HK$25,461
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,372/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,752
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,521
−HK$783/mo
Today · 4.125%
HK$26,304
baseline
▲ 0.50% · 4.625%
HK$27,904
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,608/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,536
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,274
−HK$750/mo
Today · 4.125%
HK$29,024
baseline
▲ 0.50% · 4.625%
HK$30,553
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,048/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,877
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,775
−HK$913/mo
Today · 4.125%
HK$30,688
baseline
▲ 0.50% · 4.625%
HK$32,555
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,376/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,125
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,987
−HK$874/mo
Today · 4.125%
HK$33,861
baseline
▲ 0.50% · 4.625%
HK$35,646
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,722/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,127
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,282
−HK$1,174/mo
Today · 4.125%
HK$39,456
baseline
▲ 0.50% · 4.625%
HK$41,856
+HK$2,400/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,912/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,304
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,412
−HK$1,123/mo
Today · 4.125%
HK$43,535
baseline
▲ 0.50% · 4.625%
HK$45,830
+HK$2,295/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,070/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,561 · 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).