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$20,681
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,324
−HK$654/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,315
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,007
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,624
−HK$626/mo
Today · 4.125%
HK$24,250
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,279/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,500/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,817
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,589
−HK$784/mo
Today · 4.125%
HK$26,373
baseline
▲ 0.50% · 4.625%
HK$27,978
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,746/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,609
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,349
−HK$751/mo
Today · 4.125%
HK$29,100
baseline
▲ 0.50% · 4.625%
HK$30,634
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,200/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,953
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,854
−HK$915/mo
Today · 4.125%
HK$30,769
baseline
▲ 0.50% · 4.625%
HK$32,641
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,538/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,210
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,074
−HK$876/mo
Today · 4.125%
HK$33,950
baseline
▲ 0.50% · 4.625%
HK$35,740
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,900/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,226
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,383
−HK$1,177/mo
Today · 4.125%
HK$39,560
baseline
▲ 0.50% · 4.625%
HK$41,967
+HK$2,407/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,120/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,413
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,524
−HK$1,126/mo
Today · 4.125%
HK$43,650
baseline
▲ 0.50% · 4.625%
HK$45,951
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,300/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,954 · 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).