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$20,666
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,309
−HK$653/mo
Today · 4.125%
HK$21,962
baseline
▲ 0.50% · 4.625%
HK$23,299
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,924/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,608
−HK$625/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,511
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,466/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,800
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,571
−HK$784/mo
Today · 4.125%
HK$26,355
baseline
▲ 0.50% · 4.625%
HK$27,959
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,710/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,589
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,329
−HK$751/mo
Today · 4.125%
HK$29,080
baseline
▲ 0.50% · 4.625%
HK$30,613
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,160/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,933
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,833
−HK$914/mo
Today · 4.125%
HK$30,747
baseline
▲ 0.50% · 4.625%
HK$32,618
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,494/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,188
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,051
−HK$876/mo
Today · 4.125%
HK$33,927
baseline
▲ 0.50% · 4.625%
HK$35,715
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,854/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,200
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,357
−HK$1,175/mo
Today · 4.125%
HK$39,532
baseline
▲ 0.50% · 4.625%
HK$41,938
+HK$2,406/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$79,064/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,384
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,494
−HK$1,126/mo
Today · 4.125%
HK$43,620
baseline
▲ 0.50% · 4.625%
HK$45,919
+HK$2,299/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$87,240/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,323 · 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).