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$20,618
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,259
−HK$652/mo
Today · 4.125%
HK$21,911
baseline
▲ 0.50% · 4.625%
HK$23,244
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,822/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,937
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,552
−HK$624/mo
Today · 4.125%
HK$24,176
baseline
▲ 0.50% · 4.625%
HK$25,451
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,352/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,741
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,511
−HK$782/mo
Today · 4.125%
HK$26,293
baseline
▲ 0.50% · 4.625%
HK$27,893
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,586/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,524
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,263
−HK$748/mo
Today · 4.125%
HK$29,011
baseline
▲ 0.50% · 4.625%
HK$30,541
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,022/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,865
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,763
−HK$912/mo
Today · 4.125%
HK$30,675
baseline
▲ 0.50% · 4.625%
HK$32,541
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,350/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,112
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,973
−HK$874/mo
Today · 4.125%
HK$33,847
baseline
▲ 0.50% · 4.625%
HK$35,631
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,694/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,112
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,266
−HK$1,173/mo
Today · 4.125%
HK$39,439
baseline
▲ 0.50% · 4.625%
HK$41,839
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,878/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,287
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,394
−HK$1,123/mo
Today · 4.125%
HK$43,517
baseline
▲ 0.50% · 4.625%
HK$45,811
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,034/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,184 · 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).