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$20,643
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,285
−HK$653/mo
Today · 4.125%
HK$21,938
baseline
▲ 0.50% · 4.625%
HK$23,273
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,876/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,965
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,581
−HK$625/mo
Today · 4.125%
HK$24,206
baseline
▲ 0.50% · 4.625%
HK$25,482
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,412/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,772
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,543
−HK$782/mo
Today · 4.125%
HK$26,325
baseline
▲ 0.50% · 4.625%
HK$27,927
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,650/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,559
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$749/mo
Today · 4.125%
HK$29,047
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,094/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,901
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,800
−HK$913/mo
Today · 4.125%
HK$30,713
baseline
▲ 0.50% · 4.625%
HK$32,582
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,426/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,014
−HK$875/mo
Today · 4.125%
HK$33,889
baseline
▲ 0.50% · 4.625%
HK$35,675
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,778/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,158
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,314
−HK$1,174/mo
Today · 4.125%
HK$39,488
baseline
▲ 0.50% · 4.625%
HK$41,891
+HK$2,403/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,976/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,338
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,446
−HK$1,125/mo
Today · 4.125%
HK$43,571
baseline
▲ 0.50% · 4.625%
HK$45,868
+HK$2,297/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,142/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,306 · 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).