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$20,639
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,281
−HK$652/mo
Today · 4.125%
HK$21,933
baseline
▲ 0.50% · 4.625%
HK$23,267
+HK$1,334/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,866/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,960
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,576
−HK$625/mo
Today · 4.125%
HK$24,201
baseline
▲ 0.50% · 4.625%
HK$25,476
+HK$1,275/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,402/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,766
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,537
−HK$782/mo
Today · 4.125%
HK$26,319
baseline
▲ 0.50% · 4.625%
HK$27,921
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,638/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,552
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,291
−HK$750/mo
Today · 4.125%
HK$29,041
baseline
▲ 0.50% · 4.625%
HK$30,572
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,082/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,894
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,793
−HK$913/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,574
+HK$1,868/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,144
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,007
−HK$874/mo
Today · 4.125%
HK$33,881
baseline
▲ 0.50% · 4.625%
HK$35,667
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,762/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,150
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,305
−HK$1,174/mo
Today · 4.125%
HK$39,479
baseline
▲ 0.50% · 4.625%
HK$41,881
+HK$2,402/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,958/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,329
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,437
−HK$1,124/mo
Today · 4.125%
HK$43,561
baseline
▲ 0.50% · 4.625%
HK$45,858
+HK$2,297/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,122/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,104 · 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).