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$20,610
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,251
−HK$651/mo
Today · 4.125%
HK$21,902
baseline
▲ 0.50% · 4.625%
HK$23,235
+HK$1,333/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$273,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,928
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$624/mo
Today · 4.125%
HK$24,167
baseline
▲ 0.50% · 4.625%
HK$25,441
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,334/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,732
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,501
−HK$782/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,882
+HK$1,599/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,514
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,252
−HK$748/mo
Today · 4.125%
HK$29,000
baseline
▲ 0.50% · 4.625%
HK$30,529
+HK$1,529/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$273,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,854
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,751
−HK$912/mo
Today · 4.125%
HK$30,663
baseline
▲ 0.50% · 4.625%
HK$32,529
+HK$1,866/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$273,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,099
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,960
−HK$874/mo
Today · 4.125%
HK$33,834
baseline
▲ 0.50% · 4.625%
HK$35,617
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,668/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,097
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,251
−HK$1,173/mo
Today · 4.125%
HK$39,424
baseline
▲ 0.50% · 4.625%
HK$41,823
+HK$2,399/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,848/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,271
−HK$2,229/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$273,834 · 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).