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$20,658
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,300
−HK$653/mo
Today · 4.125%
HK$21,953
baseline
▲ 0.50% · 4.625%
HK$23,289
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,906/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$275,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,982
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,598
−HK$625/mo
Today · 4.125%
HK$24,223
baseline
▲ 0.50% · 4.625%
HK$25,500
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,446/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$275,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,789
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,561
−HK$783/mo
Today · 4.125%
HK$26,344
baseline
▲ 0.50% · 4.625%
HK$27,947
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,688/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,578
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,318
−HK$750/mo
Today · 4.125%
HK$29,068
baseline
▲ 0.50% · 4.625%
HK$30,600
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,136/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,921
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,821
−HK$914/mo
Today · 4.125%
HK$30,735
baseline
▲ 0.50% · 4.625%
HK$32,605
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,470/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,174
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$876/mo
Today · 4.125%
HK$33,913
baseline
▲ 0.50% · 4.625%
HK$35,700
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,826/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,184
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,341
−HK$1,175/mo
Today · 4.125%
HK$39,516
baseline
▲ 0.50% · 4.625%
HK$41,920
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,032/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,367
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,476
−HK$1,126/mo
Today · 4.125%
HK$43,602
baseline
▲ 0.50% · 4.625%
HK$45,900
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,204/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,945 · 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).