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$20,621
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,263
−HK$651/mo
Today · 4.125%
HK$21,914
baseline
▲ 0.50% · 4.625%
HK$23,248
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,828/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,941
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,556
−HK$624/mo
Today · 4.125%
HK$24,180
baseline
▲ 0.50% · 4.625%
HK$25,455
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,360/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,745
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,515
−HK$782/mo
Today · 4.125%
HK$26,297
baseline
▲ 0.50% · 4.625%
HK$27,897
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,594/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,529
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,267
−HK$749/mo
Today · 4.125%
HK$29,016
baseline
▲ 0.50% · 4.625%
HK$30,546
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,032/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,870
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$912/mo
Today · 4.125%
HK$30,680
baseline
▲ 0.50% · 4.625%
HK$32,547
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,360/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,117
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,979
−HK$873/mo
Today · 4.125%
HK$33,852
baseline
▲ 0.50% · 4.625%
HK$35,637
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,704/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,118
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,273
−HK$1,173/mo
Today · 4.125%
HK$39,446
baseline
▲ 0.50% · 4.625%
HK$41,846
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,892/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,294
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,401
−HK$1,123/mo
Today · 4.125%
HK$43,524
baseline
▲ 0.50% · 4.625%
HK$45,819
+HK$2,295/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,048/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,336 · 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).