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$20,593
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$650/mo
Today · 4.125%
HK$21,884
baseline
▲ 0.50% · 4.625%
HK$23,216
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,768/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,910
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,524
−HK$623/mo
Today · 4.125%
HK$24,147
baseline
▲ 0.50% · 4.625%
HK$25,420
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,294/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,712
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,480
−HK$781/mo
Today · 4.125%
HK$26,261
baseline
▲ 0.50% · 4.625%
HK$27,859
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,522/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,491
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,229
−HK$748/mo
Today · 4.125%
HK$28,977
baseline
▲ 0.50% · 4.625%
HK$30,504
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,954/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,830
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,727
−HK$911/mo
Today · 4.125%
HK$30,638
baseline
▲ 0.50% · 4.625%
HK$32,502
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,276/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,073
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,933
−HK$873/mo
Today · 4.125%
HK$33,806
baseline
▲ 0.50% · 4.625%
HK$35,588
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,612/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,067
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,220
−HK$1,172/mo
Today · 4.125%
HK$39,392
baseline
▲ 0.50% · 4.625%
HK$41,789
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,784/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,237
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,343
−HK$1,122/mo
Today · 4.125%
HK$43,465
baseline
▲ 0.50% · 4.625%
HK$45,756
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,930/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,101 · 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).