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$20,636
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,278
−HK$653/mo
Today · 4.125%
HK$21,931
baseline
▲ 0.50% · 4.625%
HK$23,265
+HK$1,334/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,862/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,958
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,574
−HK$624/mo
Today · 4.125%
HK$24,198
baseline
▲ 0.50% · 4.625%
HK$25,474
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,396/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,764
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,534
−HK$783/mo
Today · 4.125%
HK$26,317
baseline
▲ 0.50% · 4.625%
HK$27,918
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,634/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,549
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,288
−HK$750/mo
Today · 4.125%
HK$29,038
baseline
▲ 0.50% · 4.625%
HK$30,568
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,076/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,891
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,790
−HK$913/mo
Today · 4.125%
HK$30,703
baseline
▲ 0.50% · 4.625%
HK$32,571
+HK$1,868/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,406/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,141
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,003
−HK$874/mo
Today · 4.125%
HK$33,877
baseline
▲ 0.50% · 4.625%
HK$35,663
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,754/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,146
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,301
−HK$1,174/mo
Today · 4.125%
HK$39,475
baseline
▲ 0.50% · 4.625%
HK$41,877
+HK$2,402/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,950/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,324
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,432
−HK$1,125/mo
Today · 4.125%
HK$43,557
baseline
▲ 0.50% · 4.625%
HK$45,853
+HK$2,296/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,114/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,005 · 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).