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$20,629
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,271
−HK$652/mo
Today · 4.125%
HK$21,923
baseline
▲ 0.50% · 4.625%
HK$23,257
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,846/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,950
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,565
−HK$625/mo
Today · 4.125%
HK$24,190
baseline
▲ 0.50% · 4.625%
HK$25,465
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,380/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,755
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,525
−HK$782/mo
Today · 4.125%
HK$26,307
baseline
▲ 0.50% · 4.625%
HK$27,908
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,614/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,540
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,278
−HK$750/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,558
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,881
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,779
−HK$913/mo
Today · 4.125%
HK$30,692
baseline
▲ 0.50% · 4.625%
HK$32,560
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,384/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,130
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$875/mo
Today · 4.125%
HK$33,866
baseline
▲ 0.50% · 4.625%
HK$35,651
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,732/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,133
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,288
−HK$1,173/mo
Today · 4.125%
HK$39,461
baseline
▲ 0.50% · 4.625%
HK$41,862
+HK$2,401/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,922/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,310
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,418
−HK$1,124/mo
Today · 4.125%
HK$43,542
baseline
▲ 0.50% · 4.625%
HK$45,837
+HK$2,295/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,084/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,690 · 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).