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$20,578
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$650/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,893
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,507
−HK$622/mo
Today · 4.125%
HK$24,129
baseline
▲ 0.50% · 4.625%
HK$25,401
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,258/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,693
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$781/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,471
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,208
−HK$747/mo
Today · 4.125%
HK$28,955
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,910/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,809
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,705
−HK$911/mo
Today · 4.125%
HK$30,616
baseline
▲ 0.50% · 4.625%
HK$32,478
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,232/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,050
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,909
−HK$872/mo
Today · 4.125%
HK$33,781
baseline
▲ 0.50% · 4.625%
HK$35,562
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,562/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,040
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,192
−HK$1,171/mo
Today · 4.125%
HK$39,363
baseline
▲ 0.50% · 4.625%
HK$41,758
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,726/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,207
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,312
−HK$1,121/mo
Today · 4.125%
HK$43,433
baseline
▲ 0.50% · 4.625%
HK$45,722
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,866/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,435 · 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).