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$20,648
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,290
−HK$653/mo
Today · 4.125%
HK$21,943
baseline
▲ 0.50% · 4.625%
HK$23,278
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,886/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,971
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,587
−HK$625/mo
Today · 4.125%
HK$24,212
baseline
▲ 0.50% · 4.625%
HK$25,488
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,424/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,777
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,548
−HK$783/mo
Today · 4.125%
HK$26,331
baseline
▲ 0.50% · 4.625%
HK$27,933
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,662/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,565
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,304
−HK$750/mo
Today · 4.125%
HK$29,054
baseline
▲ 0.50% · 4.625%
HK$30,585
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,108/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,907
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,806
−HK$914/mo
Today · 4.125%
HK$30,720
baseline
▲ 0.50% · 4.625%
HK$32,589
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,440/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,159
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,021
−HK$875/mo
Today · 4.125%
HK$33,896
baseline
▲ 0.50% · 4.625%
HK$35,683
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,792/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,166
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,322
−HK$1,175/mo
Today · 4.125%
HK$39,497
baseline
▲ 0.50% · 4.625%
HK$41,900
+HK$2,403/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$78,994/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,347
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,456
−HK$1,125/mo
Today · 4.125%
HK$43,581
baseline
▲ 0.50% · 4.625%
HK$45,878
+HK$2,297/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,162/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,505 · 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).