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$20,603
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,244
−HK$651/mo
Today · 4.125%
HK$21,895
baseline
▲ 0.50% · 4.625%
HK$23,227
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,790/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,921
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,535
−HK$624/mo
Today · 4.125%
HK$24,159
baseline
▲ 0.50% · 4.625%
HK$25,433
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,318/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,724
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$781/mo
Today · 4.125%
HK$26,274
baseline
▲ 0.50% · 4.625%
HK$27,873
+HK$1,599/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,548/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,505
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,243
−HK$748/mo
Today · 4.125%
HK$28,991
baseline
▲ 0.50% · 4.625%
HK$30,519
+HK$1,528/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,982/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,844
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,742
−HK$911/mo
Today · 4.125%
HK$30,653
baseline
▲ 0.50% · 4.625%
HK$32,518
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,306/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,089
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,950
−HK$873/mo
Today · 4.125%
HK$33,823
baseline
▲ 0.50% · 4.625%
HK$35,606
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,646/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,086
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,239
−HK$1,172/mo
Today · 4.125%
HK$39,411
baseline
▲ 0.50% · 4.625%
HK$41,809
+HK$2,398/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,822/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,257
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,364
−HK$1,122/mo
Today · 4.125%
HK$43,486
baseline
▲ 0.50% · 4.625%
HK$45,779
+HK$2,293/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$86,972/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,543 · 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).