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$20,669
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,312
−HK$653/mo
Today · 4.125%
HK$21,965
baseline
▲ 0.50% · 4.625%
HK$23,302
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,930/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,994
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,611
−HK$626/mo
Today · 4.125%
HK$24,237
baseline
▲ 0.50% · 4.625%
HK$25,514
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,474/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,803
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,575
−HK$783/mo
Today · 4.125%
HK$26,358
baseline
▲ 0.50% · 4.625%
HK$27,962
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,716/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,593
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,333
−HK$751/mo
Today · 4.125%
HK$29,084
baseline
▲ 0.50% · 4.625%
HK$30,617
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,168/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,937
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,837
−HK$914/mo
Today · 4.125%
HK$30,751
baseline
▲ 0.50% · 4.625%
HK$32,623
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,502/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,192
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$876/mo
Today · 4.125%
HK$33,931
baseline
▲ 0.50% · 4.625%
HK$35,720
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,862/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,205
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,362
−HK$1,176/mo
Today · 4.125%
HK$39,538
baseline
▲ 0.50% · 4.625%
HK$41,943
+HK$2,405/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$79,076/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,390
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,500
−HK$1,126/mo
Today · 4.125%
HK$43,626
baseline
▲ 0.50% · 4.625%
HK$45,925
+HK$2,299/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$87,252/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,442 · 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).