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$20,572
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,212
−HK$650/mo
Today · 4.125%
HK$21,862
baseline
▲ 0.50% · 4.625%
HK$23,192
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,724/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,886
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,500
−HK$623/mo
Today · 4.125%
HK$24,123
baseline
▲ 0.50% · 4.625%
HK$25,394
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,246/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,686
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,454
−HK$780/mo
Today · 4.125%
HK$26,234
baseline
▲ 0.50% · 4.625%
HK$27,831
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,468/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,463
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,200
−HK$747/mo
Today · 4.125%
HK$28,947
baseline
▲ 0.50% · 4.625%
HK$30,473
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,894/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,801
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,697
−HK$910/mo
Today · 4.125%
HK$30,607
baseline
▲ 0.50% · 4.625%
HK$32,469
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,214/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,041
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,900
−HK$872/mo
Today · 4.125%
HK$33,772
baseline
▲ 0.50% · 4.625%
HK$35,552
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,544/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,030
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,181
−HK$1,171/mo
Today · 4.125%
HK$39,352
baseline
▲ 0.50% · 4.625%
HK$41,746
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,704/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,195
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,300
−HK$1,121/mo
Today · 4.125%
HK$43,421
baseline
▲ 0.50% · 4.625%
HK$45,709
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,842/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,179 · 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).