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$20,650
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,292
−HK$653/mo
Today · 4.125%
HK$21,945
baseline
▲ 0.50% · 4.625%
HK$23,280
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,890/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,972
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,589
−HK$625/mo
Today · 4.125%
HK$24,214
baseline
▲ 0.50% · 4.625%
HK$25,490
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,428/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,780
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,550
−HK$783/mo
Today · 4.125%
HK$26,333
baseline
▲ 0.50% · 4.625%
HK$27,936
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,666/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,567
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,306
−HK$750/mo
Today · 4.125%
HK$29,056
baseline
▲ 0.50% · 4.625%
HK$30,588
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,112/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,909
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,809
−HK$913/mo
Today · 4.125%
HK$30,722
baseline
▲ 0.50% · 4.625%
HK$32,592
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,444/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,161
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,024
−HK$875/mo
Today · 4.125%
HK$33,899
baseline
▲ 0.50% · 4.625%
HK$35,686
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,798/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,169
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,326
−HK$1,174/mo
Today · 4.125%
HK$39,500
baseline
▲ 0.50% · 4.625%
HK$41,904
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,000/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,350
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,459
−HK$1,126/mo
Today · 4.125%
HK$43,585
baseline
▲ 0.50% · 4.625%
HK$45,882
+HK$2,297/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,170/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,584 · 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).