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$20,562
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,202
−HK$650/mo
Today · 4.125%
HK$21,852
baseline
▲ 0.50% · 4.625%
HK$23,182
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,704/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,876
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,489
−HK$622/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,382
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,675
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,442
−HK$780/mo
Today · 4.125%
HK$26,222
baseline
▲ 0.50% · 4.625%
HK$27,818
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,444/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,451
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,187
−HK$747/mo
Today · 4.125%
HK$28,934
baseline
▲ 0.50% · 4.625%
HK$30,459
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,868/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,787
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,683
−HK$910/mo
Today · 4.125%
HK$30,593
baseline
▲ 0.50% · 4.625%
HK$32,454
+HK$1,861/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,186/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,026
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,885
−HK$871/mo
Today · 4.125%
HK$33,756
baseline
▲ 0.50% · 4.625%
HK$35,535
+HK$1,779/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,512/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,012
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,164
−HK$1,169/mo
Today · 4.125%
HK$39,333
baseline
▲ 0.50% · 4.625%
HK$41,727
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,666/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,176
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,280
−HK$1,121/mo
Today · 4.125%
HK$43,401
baseline
▲ 0.50% · 4.625%
HK$45,688
+HK$2,287/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,802/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,761 · 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).