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$20,573
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,213
−HK$650/mo
Today · 4.125%
HK$21,863
baseline
▲ 0.50% · 4.625%
HK$23,193
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,726/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,887
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,501
−HK$623/mo
Today · 4.125%
HK$24,124
baseline
▲ 0.50% · 4.625%
HK$25,395
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,248/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,455
−HK$781/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,832
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,465
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,201
−HK$747/mo
Today · 4.125%
HK$28,948
baseline
▲ 0.50% · 4.625%
HK$30,474
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,896/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,802
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,698
−HK$910/mo
Today · 4.125%
HK$30,608
baseline
▲ 0.50% · 4.625%
HK$32,471
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,216/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,042
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,901
−HK$872/mo
Today · 4.125%
HK$33,773
baseline
▲ 0.50% · 4.625%
HK$35,553
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,546/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,031
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,183
−HK$1,170/mo
Today · 4.125%
HK$39,353
baseline
▲ 0.50% · 4.625%
HK$41,748
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,706/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,197
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,302
−HK$1,121/mo
Today · 4.125%
HK$43,423
baseline
▲ 0.50% · 4.625%
HK$45,711
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,846/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,219 · 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).