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$21,294
−HK$652/mo
Today · 4.125%
HK$21,946
baseline
▲ 0.50% · 4.625%
HK$23,282
+HK$1,336/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$275,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,975
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,591
−HK$625/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,492
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,782
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,553
−HK$783/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,938
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,672/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,569
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,309
−HK$750/mo
Today · 4.125%
HK$29,059
baseline
▲ 0.50% · 4.625%
HK$30,591
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,118/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,912
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$914/mo
Today · 4.125%
HK$30,725
baseline
▲ 0.50% · 4.625%
HK$32,595
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,450/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,164
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,027
−HK$875/mo
Today · 4.125%
HK$33,902
baseline
▲ 0.50% · 4.625%
HK$35,689
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,804/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,173
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,329
−HK$1,175/mo
Today · 4.125%
HK$39,504
baseline
▲ 0.50% · 4.625%
HK$41,907
+HK$2,403/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,008/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,354
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,463
−HK$1,125/mo
Today · 4.125%
HK$43,588
baseline
▲ 0.50% · 4.625%
HK$45,886
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,176/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,663 · 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).