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$20,694
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,338
−HK$654/mo
Today · 4.125%
HK$21,992
baseline
▲ 0.50% · 4.625%
HK$23,330
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,984/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,022
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,639
−HK$627/mo
Today · 4.125%
HK$24,266
baseline
▲ 0.50% · 4.625%
HK$25,545
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,532/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,833
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,605
−HK$785/mo
Today · 4.125%
HK$26,390
baseline
▲ 0.50% · 4.625%
HK$27,996
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,780/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,626
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,367
−HK$752/mo
Today · 4.125%
HK$29,119
baseline
▲ 0.50% · 4.625%
HK$30,654
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,238/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,972
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,873
−HK$916/mo
Today · 4.125%
HK$30,789
baseline
▲ 0.50% · 4.625%
HK$32,662
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,578/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,231
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,095
−HK$877/mo
Today · 4.125%
HK$33,972
baseline
▲ 0.50% · 4.625%
HK$35,763
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,944/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,249
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,408
−HK$1,177/mo
Today · 4.125%
HK$39,585
baseline
▲ 0.50% · 4.625%
HK$41,994
+HK$2,409/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,170/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,440
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,551
−HK$1,127/mo
Today · 4.125%
HK$43,678
baseline
▲ 0.50% · 4.625%
HK$45,981
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,356/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,534 · 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).