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$20,586
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$651/mo
Today · 4.125%
HK$21,877
baseline
▲ 0.50% · 4.625%
HK$23,208
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,754/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,902
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,516
−HK$623/mo
Today · 4.125%
HK$24,139
baseline
▲ 0.50% · 4.625%
HK$25,412
+HK$1,273/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,278/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,703
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,472
−HK$780/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,850
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,482
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$748/mo
Today · 4.125%
HK$28,967
baseline
▲ 0.50% · 4.625%
HK$30,494
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,934/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,821
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,717
−HK$911/mo
Today · 4.125%
HK$30,628
baseline
▲ 0.50% · 4.625%
HK$32,491
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,256/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,063
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,922
−HK$873/mo
Today · 4.125%
HK$33,795
baseline
▲ 0.50% · 4.625%
HK$35,576
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,590/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,055
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,208
−HK$1,171/mo
Today · 4.125%
HK$39,379
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,396/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,758/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,329
−HK$1,121/mo
Today · 4.125%
HK$43,450
baseline
▲ 0.50% · 4.625%
HK$45,741
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,900/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,799 · 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).