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$20,674
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,317
−HK$654/mo
Today · 4.125%
HK$21,971
baseline
▲ 0.50% · 4.625%
HK$23,307
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,942/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,000
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,617
−HK$625/mo
Today · 4.125%
HK$24,242
baseline
▲ 0.50% · 4.625%
HK$25,520
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,484/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,809
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,581
−HK$784/mo
Today · 4.125%
HK$26,365
baseline
▲ 0.50% · 4.625%
HK$27,969
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,730/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,600
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,340
−HK$751/mo
Today · 4.125%
HK$29,091
baseline
▲ 0.50% · 4.625%
HK$30,624
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,182/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,944
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,844
−HK$915/mo
Today · 4.125%
HK$30,759
baseline
▲ 0.50% · 4.625%
HK$32,630
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,518/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,200
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,063
−HK$876/mo
Today · 4.125%
HK$33,939
baseline
▲ 0.50% · 4.625%
HK$35,728
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,878/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,213
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,371
−HK$1,176/mo
Today · 4.125%
HK$39,547
baseline
▲ 0.50% · 4.625%
HK$41,953
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,094/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,399
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,510
−HK$1,126/mo
Today · 4.125%
HK$43,636
baseline
▲ 0.50% · 4.625%
HK$45,936
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,272/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,656 · 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).