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$20,548
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,187
−HK$649/mo
Today · 4.125%
HK$21,836
baseline
▲ 0.50% · 4.625%
HK$23,165
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,672/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,859
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,472
−HK$622/mo
Today · 4.125%
HK$24,094
baseline
▲ 0.50% · 4.625%
HK$25,364
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,188/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,657
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,424
−HK$780/mo
Today · 4.125%
HK$26,204
baseline
▲ 0.50% · 4.625%
HK$27,798
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,408/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,431
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,167
−HK$746/mo
Today · 4.125%
HK$28,913
baseline
▲ 0.50% · 4.625%
HK$30,437
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,826/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,767
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,662
−HK$909/mo
Today · 4.125%
HK$30,571
baseline
▲ 0.50% · 4.625%
HK$32,431
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,142/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,003
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,861
−HK$871/mo
Today · 4.125%
HK$33,732
baseline
▲ 0.50% · 4.625%
HK$35,510
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,464/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,986
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,137
−HK$1,168/mo
Today · 4.125%
HK$39,305
baseline
▲ 0.50% · 4.625%
HK$41,697
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,610/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,147
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,250
−HK$1,120/mo
Today · 4.125%
HK$43,370
baseline
▲ 0.50% · 4.625%
HK$45,656
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,740/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,121 · 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).