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$20,654
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,297
−HK$652/mo
Today · 4.125%
HK$21,949
baseline
▲ 0.50% · 4.625%
HK$23,285
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,898/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,977
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,594
−HK$625/mo
Today · 4.125%
HK$24,219
baseline
▲ 0.50% · 4.625%
HK$25,495
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,438/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,785
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,556
−HK$783/mo
Today · 4.125%
HK$26,339
baseline
▲ 0.50% · 4.625%
HK$27,942
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,678/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,573
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,312
−HK$751/mo
Today · 4.125%
HK$29,063
baseline
▲ 0.50% · 4.625%
HK$30,595
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,126/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,916
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,815
−HK$914/mo
Today · 4.125%
HK$30,729
baseline
▲ 0.50% · 4.625%
HK$32,599
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,458/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,168
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,031
−HK$875/mo
Today · 4.125%
HK$33,906
baseline
▲ 0.50% · 4.625%
HK$35,694
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,812/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,177
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,334
−HK$1,175/mo
Today · 4.125%
HK$39,509
baseline
▲ 0.50% · 4.625%
HK$41,913
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,018/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,359
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,469
−HK$1,125/mo
Today · 4.125%
HK$43,594
baseline
▲ 0.50% · 4.625%
HK$45,892
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,188/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,779 · 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).