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$20,550
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,189
−HK$650/mo
Today · 4.125%
HK$21,839
baseline
▲ 0.50% · 4.625%
HK$23,168
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,678/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,862
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,475
−HK$622/mo
Today · 4.125%
HK$24,097
baseline
▲ 0.50% · 4.625%
HK$25,367
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,194/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,660
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$780/mo
Today · 4.125%
HK$26,207
baseline
▲ 0.50% · 4.625%
HK$27,801
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,414/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,434
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,170
−HK$746/mo
Today · 4.125%
HK$28,916
baseline
▲ 0.50% · 4.625%
HK$30,441
+HK$1,525/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,832/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,770
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,665
−HK$909/mo
Today · 4.125%
HK$30,574
baseline
▲ 0.50% · 4.625%
HK$32,435
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,148/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,007
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,865
−HK$871/mo
Today · 4.125%
HK$33,736
baseline
▲ 0.50% · 4.625%
HK$35,514
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,472/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,990
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,141
−HK$1,169/mo
Today · 4.125%
HK$39,310
baseline
▲ 0.50% · 4.625%
HK$41,702
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,620/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,151
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,255
−HK$1,120/mo
Today · 4.125%
HK$43,375
baseline
▲ 0.50% · 4.625%
HK$45,661
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,750/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,222 · 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).