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$20,643
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$653/mo
Today · 4.125%
HK$21,938
baseline
▲ 0.50% · 4.625%
HK$23,272
+HK$1,334/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,876/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,965
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,581
−HK$625/mo
Today · 4.125%
HK$24,206
baseline
▲ 0.50% · 4.625%
HK$25,482
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,412/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,772
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,542
−HK$783/mo
Today · 4.125%
HK$26,325
baseline
▲ 0.50% · 4.625%
HK$27,927
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,650/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,558
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,297
−HK$750/mo
Today · 4.125%
HK$29,047
baseline
▲ 0.50% · 4.625%
HK$30,578
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,094/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,900
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,799
−HK$914/mo
Today · 4.125%
HK$30,713
baseline
▲ 0.50% · 4.625%
HK$32,581
+HK$1,868/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,426/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,151
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,014
−HK$874/mo
Today · 4.125%
HK$33,888
baseline
▲ 0.50% · 4.625%
HK$35,675
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,776/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,313
−HK$1,175/mo
Today · 4.125%
HK$39,488
baseline
▲ 0.50% · 4.625%
HK$41,890
+HK$2,402/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,976/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,337
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,446
−HK$1,125/mo
Today · 4.125%
HK$43,571
baseline
▲ 0.50% · 4.625%
HK$45,867
+HK$2,296/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,142/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,299 · 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).