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$20,646
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,288
−HK$653/mo
Today · 4.125%
HK$21,941
baseline
▲ 0.50% · 4.625%
HK$23,276
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,882/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,968
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,584
−HK$625/mo
Today · 4.125%
HK$24,209
baseline
▲ 0.50% · 4.625%
HK$25,485
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,418/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,775
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,546
−HK$783/mo
Today · 4.125%
HK$26,329
baseline
▲ 0.50% · 4.625%
HK$27,931
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,658/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,562
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,301
−HK$750/mo
Today · 4.125%
HK$29,051
baseline
▲ 0.50% · 4.625%
HK$30,582
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,102/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,904
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,803
−HK$914/mo
Today · 4.125%
HK$30,717
baseline
▲ 0.50% · 4.625%
HK$32,586
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,434/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,156
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,018
−HK$875/mo
Today · 4.125%
HK$33,893
baseline
▲ 0.50% · 4.625%
HK$35,679
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,786/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,163
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,319
−HK$1,174/mo
Today · 4.125%
HK$39,493
baseline
▲ 0.50% · 4.625%
HK$41,896
+HK$2,403/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,986/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,343
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,452
−HK$1,125/mo
Today · 4.125%
HK$43,577
baseline
▲ 0.50% · 4.625%
HK$45,874
+HK$2,297/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,154/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,419 · 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).