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$20,651
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,293
−HK$653/mo
Today · 4.125%
HK$21,946
baseline
▲ 0.50% · 4.625%
HK$23,281
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,892/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,974
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,590
−HK$625/mo
Today · 4.125%
HK$24,215
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,430/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,781
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,552
−HK$783/mo
Today · 4.125%
HK$26,335
baseline
▲ 0.50% · 4.625%
HK$27,937
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,670/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,569
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,308
−HK$750/mo
Today · 4.125%
HK$29,058
baseline
▲ 0.50% · 4.625%
HK$30,590
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,116/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,810
−HK$914/mo
Today · 4.125%
HK$30,724
baseline
▲ 0.50% · 4.625%
HK$32,594
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,448/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,163
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,026
−HK$875/mo
Today · 4.125%
HK$33,901
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,802/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,172
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,328
−HK$1,175/mo
Today · 4.125%
HK$39,503
baseline
▲ 0.50% · 4.625%
HK$41,906
+HK$2,403/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,006/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,353
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,462
−HK$1,125/mo
Today · 4.125%
HK$43,587
baseline
▲ 0.50% · 4.625%
HK$45,885
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,174/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,637 · 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).