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$20,607
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,248
−HK$652/mo
Today · 4.125%
HK$21,900
baseline
▲ 0.50% · 4.625%
HK$23,232
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,800/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,925
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,540
−HK$624/mo
Today · 4.125%
HK$24,164
baseline
▲ 0.50% · 4.625%
HK$25,438
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,328/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,729
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,498
−HK$781/mo
Today · 4.125%
HK$26,279
baseline
▲ 0.50% · 4.625%
HK$27,878
+HK$1,599/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,558/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,510
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,248
−HK$749/mo
Today · 4.125%
HK$28,997
baseline
▲ 0.50% · 4.625%
HK$30,525
+HK$1,528/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,994/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,850
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,748
−HK$911/mo
Today · 4.125%
HK$30,659
baseline
▲ 0.50% · 4.625%
HK$32,525
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,318/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,096
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,956
−HK$874/mo
Today · 4.125%
HK$33,830
baseline
▲ 0.50% · 4.625%
HK$35,613
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,660/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,093
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,247
−HK$1,172/mo
Today · 4.125%
HK$39,419
baseline
▲ 0.50% · 4.625%
HK$41,818
+HK$2,399/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,838/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,266
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,372
−HK$1,123/mo
Today · 4.125%
HK$43,495
baseline
▲ 0.50% · 4.625%
HK$45,788
+HK$2,293/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$86,990/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,726 · 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).