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$20,614
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,255
−HK$652/mo
Today · 4.125%
HK$21,907
baseline
▲ 0.50% · 4.625%
HK$23,240
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,814/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,933
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,548
−HK$624/mo
Today · 4.125%
HK$24,172
baseline
▲ 0.50% · 4.625%
HK$25,446
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,344/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,737
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,506
−HK$782/mo
Today · 4.125%
HK$26,288
baseline
▲ 0.50% · 4.625%
HK$27,888
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,576/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,519
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,257
−HK$749/mo
Today · 4.125%
HK$29,006
baseline
▲ 0.50% · 4.625%
HK$30,535
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,012/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,757
−HK$912/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,535
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,106
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,967
−HK$874/mo
Today · 4.125%
HK$33,841
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,682/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,105
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,259
−HK$1,173/mo
Today · 4.125%
HK$39,432
baseline
▲ 0.50% · 4.625%
HK$41,831
+HK$2,399/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,864/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,279
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,386
−HK$1,123/mo
Today · 4.125%
HK$43,509
baseline
▲ 0.50% · 4.625%
HK$45,803
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,018/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,021 · 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).