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$20,594
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,235
−HK$651/mo
Today · 4.125%
HK$21,886
baseline
▲ 0.50% · 4.625%
HK$23,218
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,772/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,911
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$624/mo
Today · 4.125%
HK$24,149
baseline
▲ 0.50% · 4.625%
HK$25,422
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,298/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,713
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,482
−HK$781/mo
Today · 4.125%
HK$26,263
baseline
▲ 0.50% · 4.625%
HK$27,861
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,526/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,493
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,231
−HK$748/mo
Today · 4.125%
HK$28,979
baseline
▲ 0.50% · 4.625%
HK$30,506
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,958/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,832
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,729
−HK$911/mo
Today · 4.125%
HK$30,640
baseline
▲ 0.50% · 4.625%
HK$32,505
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,280/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,075
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,936
−HK$872/mo
Today · 4.125%
HK$33,808
baseline
▲ 0.50% · 4.625%
HK$35,590
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,616/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,070
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,223
−HK$1,171/mo
Today · 4.125%
HK$39,394
baseline
▲ 0.50% · 4.625%
HK$41,792
+HK$2,398/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,788/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,240
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,346
−HK$1,122/mo
Today · 4.125%
HK$43,468
baseline
▲ 0.50% · 4.625%
HK$45,759
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,936/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,161 · 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).