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$20,700
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,344
−HK$654/mo
Today · 4.125%
HK$21,998
baseline
▲ 0.50% · 4.625%
HK$23,336
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,996/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,028
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,646
−HK$626/mo
Today · 4.125%
HK$24,272
baseline
▲ 0.50% · 4.625%
HK$25,552
+HK$1,280/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,544/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,840
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,612
−HK$785/mo
Today · 4.125%
HK$26,397
baseline
▲ 0.50% · 4.625%
HK$28,004
+HK$1,607/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,794/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,634
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,375
−HK$752/mo
Today · 4.125%
HK$29,127
baseline
▲ 0.50% · 4.625%
HK$30,662
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,254/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,980
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,881
−HK$916/mo
Today · 4.125%
HK$30,797
baseline
▲ 0.50% · 4.625%
HK$32,671
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,594/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,240
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,104
−HK$877/mo
Today · 4.125%
HK$33,981
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,962/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,260
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,419
−HK$1,177/mo
Today · 4.125%
HK$39,596
baseline
▲ 0.50% · 4.625%
HK$42,005
+HK$2,409/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,192/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,451
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,563
−HK$1,127/mo
Today · 4.125%
HK$43,690
baseline
▲ 0.50% · 4.625%
HK$45,993
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,380/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,782 · 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).