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$20,663
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,306
−HK$653/mo
Today · 4.125%
HK$21,959
baseline
▲ 0.50% · 4.625%
HK$23,295
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,918/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,987
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,604
−HK$625/mo
Today · 4.125%
HK$24,229
baseline
▲ 0.50% · 4.625%
HK$25,506
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,458/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,796
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,567
−HK$783/mo
Today · 4.125%
HK$26,350
baseline
▲ 0.50% · 4.625%
HK$27,954
+HK$1,604/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,700/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,585
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,325
−HK$750/mo
Today · 4.125%
HK$29,075
baseline
▲ 0.50% · 4.625%
HK$30,608
+HK$1,533/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,150/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,928
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,828
−HK$914/mo
Today · 4.125%
HK$30,742
baseline
▲ 0.50% · 4.625%
HK$32,613
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,484/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,182
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,045
−HK$876/mo
Today · 4.125%
HK$33,921
baseline
▲ 0.50% · 4.625%
HK$35,709
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,842/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,193
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,350
−HK$1,176/mo
Today · 4.125%
HK$39,526
baseline
▲ 0.50% · 4.625%
HK$41,931
+HK$2,405/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$79,052/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,377
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,487
−HK$1,126/mo
Today · 4.125%
HK$43,613
baseline
▲ 0.50% · 4.625%
HK$45,912
+HK$2,299/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$87,226/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,170 · 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).