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$20,702
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,346
−HK$654/mo
Today · 4.125%
HK$22,000
baseline
▲ 0.50% · 4.625%
HK$23,338
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$44,000/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,030
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$23,648
−HK$627/mo
Today · 4.125%
HK$24,275
baseline
▲ 0.50% · 4.625%
HK$25,554
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,550/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,842
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,615
−HK$785/mo
Today · 4.125%
HK$26,400
baseline
▲ 0.50% · 4.625%
HK$28,006
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,800/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,636
−HK$1,494/mo
▼ 0.25% · 3.875%
HK$28,378
−HK$752/mo
Today · 4.125%
HK$29,130
baseline
▲ 0.50% · 4.625%
HK$30,665
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,260/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,982
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,884
−HK$916/mo
Today · 4.125%
HK$30,800
baseline
▲ 0.50% · 4.625%
HK$32,674
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$61,600/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,242
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,107
−HK$877/mo
Today · 4.125%
HK$33,984
baseline
▲ 0.50% · 4.625%
HK$35,776
+HK$1,792/mo
Deposit HK$2.72M · loan HK$6.36M · min. income ≈ HK$67,968/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,263
−HK$2,337/mo
▼ 0.25% · 3.875%
HK$38,422
−HK$1,178/mo
Today · 4.125%
HK$39,600
baseline
▲ 0.50% · 4.625%
HK$42,009
+HK$2,409/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,200/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,455
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,566
−HK$1,128/mo
Today · 4.125%
HK$43,694
baseline
▲ 0.50% · 4.625%
HK$45,997
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,388/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,864 · 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).