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$20,633
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,274
−HK$652/mo
Today · 4.125%
HK$21,926
baseline
▲ 0.50% · 4.625%
HK$23,261
+HK$1,335/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,852/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,954
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,569
−HK$625/mo
Today · 4.125%
HK$24,194
baseline
▲ 0.50% · 4.625%
HK$25,469
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,388/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,759
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,529
−HK$783/mo
Today · 4.125%
HK$26,312
baseline
▲ 0.50% · 4.625%
HK$27,913
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,624/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,544
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,283
−HK$749/mo
Today · 4.125%
HK$29,032
baseline
▲ 0.50% · 4.625%
HK$30,563
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,064/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,886
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,784
−HK$913/mo
Today · 4.125%
HK$30,697
baseline
▲ 0.50% · 4.625%
HK$32,565
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,394/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,135
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,997
−HK$874/mo
Today · 4.125%
HK$33,871
baseline
▲ 0.50% · 4.625%
HK$35,657
+HK$1,786/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,742/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,139
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,294
−HK$1,174/mo
Today · 4.125%
HK$39,468
baseline
▲ 0.50% · 4.625%
HK$41,869
+HK$2,401/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,936/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,317
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,425
−HK$1,124/mo
Today · 4.125%
HK$43,549
baseline
▲ 0.50% · 4.625%
HK$45,844
+HK$2,295/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,098/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,839 · 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).