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$20,616
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,257
−HK$652/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,242
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,935
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,550
−HK$624/mo
Today · 4.125%
HK$24,174
baseline
▲ 0.50% · 4.625%
HK$25,448
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,348/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,739
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,508
−HK$782/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,890
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,522
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,260
−HK$749/mo
Today · 4.125%
HK$29,009
baseline
▲ 0.50% · 4.625%
HK$30,538
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,018/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,862
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,760
−HK$912/mo
Today · 4.125%
HK$30,672
baseline
▲ 0.50% · 4.625%
HK$32,538
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,344/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,109
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,970
−HK$873/mo
Today · 4.125%
HK$33,843
baseline
▲ 0.50% · 4.625%
HK$35,627
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,686/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,108
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,263
−HK$1,172/mo
Today · 4.125%
HK$39,435
baseline
▲ 0.50% · 4.625%
HK$41,835
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,870/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,283
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,390
−HK$1,123/mo
Today · 4.125%
HK$43,513
baseline
▲ 0.50% · 4.625%
HK$45,807
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,026/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,097 · 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).