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$20,589
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,229
−HK$651/mo
Today · 4.125%
HK$21,880
baseline
▲ 0.50% · 4.625%
HK$23,211
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,760/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,905
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,519
−HK$624/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,415
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,707
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,475
−HK$781/mo
Today · 4.125%
HK$26,256
baseline
▲ 0.50% · 4.625%
HK$27,854
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,512/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,486
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,223
−HK$748/mo
Today · 4.125%
HK$28,971
baseline
▲ 0.50% · 4.625%
HK$30,498
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,942/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,825
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,721
−HK$911/mo
Today · 4.125%
HK$30,632
baseline
▲ 0.50% · 4.625%
HK$32,496
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,264/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,067
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,927
−HK$873/mo
Today · 4.125%
HK$33,800
baseline
▲ 0.50% · 4.625%
HK$35,581
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,600/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,060
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,213
−HK$1,171/mo
Today · 4.125%
HK$39,384
baseline
▲ 0.50% · 4.625%
HK$41,781
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,768/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,229
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,335
−HK$1,122/mo
Today · 4.125%
HK$43,457
baseline
▲ 0.50% · 4.625%
HK$45,747
+HK$2,290/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,914/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,924 · 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).