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$20,691
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,335
−HK$654/mo
Today · 4.125%
HK$21,989
baseline
▲ 0.50% · 4.625%
HK$23,327
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,978/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,019
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,636
−HK$627/mo
Today · 4.125%
HK$24,263
baseline
▲ 0.50% · 4.625%
HK$25,542
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,526/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,830
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,602
−HK$785/mo
Today · 4.125%
HK$26,387
baseline
▲ 0.50% · 4.625%
HK$27,992
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,774/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,623
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,364
−HK$751/mo
Today · 4.125%
HK$29,115
baseline
▲ 0.50% · 4.625%
HK$30,650
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,230/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,968
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,869
−HK$916/mo
Today · 4.125%
HK$30,785
baseline
▲ 0.50% · 4.625%
HK$32,658
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,570/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,227
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,091
−HK$877/mo
Today · 4.125%
HK$33,968
baseline
▲ 0.50% · 4.625%
HK$35,758
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,936/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,245
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,403
−HK$1,177/mo
Today · 4.125%
HK$39,580
baseline
▲ 0.50% · 4.625%
HK$41,989
+HK$2,409/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$79,160/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,434
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,546
−HK$1,127/mo
Today · 4.125%
HK$43,673
baseline
▲ 0.50% · 4.625%
HK$45,975
+HK$2,302/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$87,346/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,419 · 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).