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$20,584
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,224
−HK$651/mo
Today · 4.125%
HK$21,875
baseline
▲ 0.50% · 4.625%
HK$23,206
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,750/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,899
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,513
−HK$623/mo
Today · 4.125%
HK$24,136
baseline
▲ 0.50% · 4.625%
HK$25,409
+HK$1,273/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,272/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,701
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,469
−HK$781/mo
Today · 4.125%
HK$26,250
baseline
▲ 0.50% · 4.625%
HK$27,847
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,500/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,479
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,216
−HK$748/mo
Today · 4.125%
HK$28,964
baseline
▲ 0.50% · 4.625%
HK$30,490
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,928/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,817
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,714
−HK$910/mo
Today · 4.125%
HK$30,624
baseline
▲ 0.50% · 4.625%
HK$32,488
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,248/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,059
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,919
−HK$872/mo
Today · 4.125%
HK$33,791
baseline
▲ 0.50% · 4.625%
HK$35,572
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,582/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,051
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,203
−HK$1,171/mo
Today · 4.125%
HK$39,374
baseline
▲ 0.50% · 4.625%
HK$41,770
+HK$2,396/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$78,748/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,219
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,324
−HK$1,122/mo
Today · 4.125%
HK$43,446
baseline
▲ 0.50% · 4.625%
HK$45,736
+HK$2,290/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$86,892/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,698 · 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).