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$20,602
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,243
−HK$651/mo
Today · 4.125%
HK$21,894
baseline
▲ 0.50% · 4.625%
HK$23,226
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,788/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,534
−HK$624/mo
Today · 4.125%
HK$24,158
baseline
▲ 0.50% · 4.625%
HK$25,431
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,316/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,722
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$782/mo
Today · 4.125%
HK$26,273
baseline
▲ 0.50% · 4.625%
HK$27,871
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,546/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,503
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,241
−HK$748/mo
Today · 4.125%
HK$28,989
baseline
▲ 0.50% · 4.625%
HK$30,517
+HK$1,528/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,978/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,843
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,740
−HK$911/mo
Today · 4.125%
HK$30,651
baseline
▲ 0.50% · 4.625%
HK$32,516
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,302/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,087
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,948
−HK$873/mo
Today · 4.125%
HK$33,821
baseline
▲ 0.50% · 4.625%
HK$35,603
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,642/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,083
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,237
−HK$1,172/mo
Today · 4.125%
HK$39,409
baseline
▲ 0.50% · 4.625%
HK$41,807
+HK$2,398/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,818/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,255
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,361
−HK$1,123/mo
Today · 4.125%
HK$43,484
baseline
▲ 0.50% · 4.625%
HK$45,776
+HK$2,292/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,968/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,491 · 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).