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$20,609
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,250
−HK$652/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,804/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,928
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$623/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,440
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,731
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,501
−HK$781/mo
Today · 4.125%
HK$26,282
baseline
▲ 0.50% · 4.625%
HK$27,881
+HK$1,599/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,564/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,513
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,251
−HK$749/mo
Today · 4.125%
HK$29,000
baseline
▲ 0.50% · 4.625%
HK$30,528
+HK$1,528/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,000/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,853
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,751
−HK$912/mo
Today · 4.125%
HK$30,663
baseline
▲ 0.50% · 4.625%
HK$32,528
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,326/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,099
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,960
−HK$873/mo
Today · 4.125%
HK$33,833
baseline
▲ 0.50% · 4.625%
HK$35,616
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,666/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,097
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,251
−HK$1,172/mo
Today · 4.125%
HK$39,423
baseline
▲ 0.50% · 4.625%
HK$41,822
+HK$2,399/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,846/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,270
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,377
−HK$1,123/mo
Today · 4.125%
HK$43,500
baseline
▲ 0.50% · 4.625%
HK$45,793
+HK$2,293/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$87,000/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,821 · 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).