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$20,673
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,316
−HK$653/mo
Today · 4.125%
HK$21,969
baseline
▲ 0.50% · 4.625%
HK$23,306
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,938/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,998
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,615
−HK$626/mo
Today · 4.125%
HK$24,241
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,482/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,807
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,579
−HK$784/mo
Today · 4.125%
HK$26,363
baseline
▲ 0.50% · 4.625%
HK$27,967
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,726/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,598
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,338
−HK$751/mo
Today · 4.125%
HK$29,089
baseline
▲ 0.50% · 4.625%
HK$30,622
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,178/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,942
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,842
−HK$915/mo
Today · 4.125%
HK$30,757
baseline
▲ 0.50% · 4.625%
HK$32,628
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,514/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,198
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,061
−HK$876/mo
Today · 4.125%
HK$33,937
baseline
▲ 0.50% · 4.625%
HK$35,726
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,874/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,211
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,369
−HK$1,176/mo
Today · 4.125%
HK$39,545
baseline
▲ 0.50% · 4.625%
HK$41,951
+HK$2,406/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,090/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,397
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,507
−HK$1,127/mo
Today · 4.125%
HK$43,634
baseline
▲ 0.50% · 4.625%
HK$45,933
+HK$2,299/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,268/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,601 · 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).