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$20,583
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,223
−HK$651/mo
Today · 4.125%
HK$21,874
baseline
▲ 0.50% · 4.625%
HK$23,205
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,748/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,898
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,513
−HK$623/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,408
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,700
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,468
−HK$781/mo
Today · 4.125%
HK$26,249
baseline
▲ 0.50% · 4.625%
HK$27,846
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,498/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,478
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,215
−HK$748/mo
Today · 4.125%
HK$28,963
baseline
▲ 0.50% · 4.625%
HK$30,489
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,926/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,816
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,713
−HK$910/mo
Today · 4.125%
HK$30,623
baseline
▲ 0.50% · 4.625%
HK$32,487
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,246/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,058
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,918
−HK$872/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,571
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,580/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,050
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,202
−HK$1,171/mo
Today · 4.125%
HK$39,373
baseline
▲ 0.50% · 4.625%
HK$41,769
+HK$2,396/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$78,746/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,217
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,323
−HK$1,121/mo
Today · 4.125%
HK$43,444
baseline
▲ 0.50% · 4.625%
HK$45,734
+HK$2,290/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$86,888/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,665 · 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).