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$20,606
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,247
−HK$651/mo
Today · 4.125%
HK$21,898
baseline
▲ 0.50% · 4.625%
HK$23,230
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,796/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,924
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,538
−HK$624/mo
Today · 4.125%
HK$24,162
baseline
▲ 0.50% · 4.625%
HK$25,436
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,324/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,727
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,496
−HK$781/mo
Today · 4.125%
HK$26,277
baseline
▲ 0.50% · 4.625%
HK$27,876
+HK$1,599/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,554/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,508
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,246
−HK$748/mo
Today · 4.125%
HK$28,994
baseline
▲ 0.50% · 4.625%
HK$30,523
+HK$1,529/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,988/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,848
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,745
−HK$912/mo
Today · 4.125%
HK$30,657
baseline
▲ 0.50% · 4.625%
HK$32,522
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,314/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,093
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,954
−HK$873/mo
Today · 4.125%
HK$33,827
baseline
▲ 0.50% · 4.625%
HK$35,610
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,654/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,090
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,244
−HK$1,172/mo
Today · 4.125%
HK$39,416
baseline
▲ 0.50% · 4.625%
HK$41,814
+HK$2,398/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,832/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,262
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,369
−HK$1,123/mo
Today · 4.125%
HK$43,492
baseline
▲ 0.50% · 4.625%
HK$45,784
+HK$2,292/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$86,984/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,654 · 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).