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$20,580
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,221
−HK$650/mo
Today · 4.125%
HK$21,871
baseline
▲ 0.50% · 4.625%
HK$23,202
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,742/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,896
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,510
−HK$623/mo
Today · 4.125%
HK$24,133
baseline
▲ 0.50% · 4.625%
HK$25,405
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,266/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,697
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,465
−HK$780/mo
Today · 4.125%
HK$26,245
baseline
▲ 0.50% · 4.625%
HK$27,842
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,490/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,475
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,212
−HK$747/mo
Today · 4.125%
HK$28,959
baseline
▲ 0.50% · 4.625%
HK$30,486
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,918/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,813
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,709
−HK$910/mo
Today · 4.125%
HK$30,619
baseline
▲ 0.50% · 4.625%
HK$32,483
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,238/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,054
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,913
−HK$873/mo
Today · 4.125%
HK$33,786
baseline
▲ 0.50% · 4.625%
HK$35,566
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,572/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,045
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,197
−HK$1,171/mo
Today · 4.125%
HK$39,368
baseline
▲ 0.50% · 4.625%
HK$41,763
+HK$2,395/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$78,736/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,212
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,317
−HK$1,122/mo
Today · 4.125%
HK$43,439
baseline
▲ 0.50% · 4.625%
HK$45,728
+HK$2,289/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$86,878/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,551 · 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).