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$20,661
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,304
−HK$653/mo
Today · 4.125%
HK$21,957
baseline
▲ 0.50% · 4.625%
HK$23,293
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,914/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,985
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,602
−HK$625/mo
Today · 4.125%
HK$24,227
baseline
▲ 0.50% · 4.625%
HK$25,504
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,454/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,793
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$784/mo
Today · 4.125%
HK$26,348
baseline
▲ 0.50% · 4.625%
HK$27,951
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,696/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,582
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,322
−HK$750/mo
Today · 4.125%
HK$29,072
baseline
▲ 0.50% · 4.625%
HK$30,605
+HK$1,533/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,144/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,925
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,825
−HK$914/mo
Today · 4.125%
HK$30,739
baseline
▲ 0.50% · 4.625%
HK$32,610
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,478/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,179
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,042
−HK$876/mo
Today · 4.125%
HK$33,918
baseline
▲ 0.50% · 4.625%
HK$35,706
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,836/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,190
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,347
−HK$1,175/mo
Today · 4.125%
HK$39,522
baseline
▲ 0.50% · 4.625%
HK$41,927
+HK$2,405/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,044/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,373
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,483
−HK$1,125/mo
Today · 4.125%
HK$43,608
baseline
▲ 0.50% · 4.625%
HK$45,907
+HK$2,299/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,216/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,081 · 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).