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$20,596
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,236
−HK$651/mo
Today · 4.125%
HK$21,887
baseline
▲ 0.50% · 4.625%
HK$23,219
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,774/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,913
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,527
−HK$623/mo
Today · 4.125%
HK$24,150
baseline
▲ 0.50% · 4.625%
HK$25,423
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,300/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,715
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,484
−HK$781/mo
Today · 4.125%
HK$26,265
baseline
▲ 0.50% · 4.625%
HK$27,863
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,530/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,495
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,232
−HK$749/mo
Today · 4.125%
HK$28,981
baseline
▲ 0.50% · 4.625%
HK$30,508
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,962/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,834
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,731
−HK$911/mo
Today · 4.125%
HK$30,642
baseline
▲ 0.50% · 4.625%
HK$32,507
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,284/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,078
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,938
−HK$873/mo
Today · 4.125%
HK$33,811
baseline
▲ 0.50% · 4.625%
HK$35,593
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,622/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,072
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,225
−HK$1,172/mo
Today · 4.125%
HK$39,397
baseline
▲ 0.50% · 4.625%
HK$41,794
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,794/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,243
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,349
−HK$1,122/mo
Today · 4.125%
HK$43,471
baseline
▲ 0.50% · 4.625%
HK$45,762
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,942/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,220 · 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).