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$20,598
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,239
−HK$651/mo
Today · 4.125%
HK$21,890
baseline
▲ 0.50% · 4.625%
HK$23,221
+HK$1,331/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,780/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,915
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,529
−HK$624/mo
Today · 4.125%
HK$24,153
baseline
▲ 0.50% · 4.625%
HK$25,426
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,306/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,717
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$781/mo
Today · 4.125%
HK$26,267
baseline
▲ 0.50% · 4.625%
HK$27,866
+HK$1,599/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,534/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,498
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$749/mo
Today · 4.125%
HK$28,984
baseline
▲ 0.50% · 4.625%
HK$30,511
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,968/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,837
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,734
−HK$911/mo
Today · 4.125%
HK$30,645
baseline
▲ 0.50% · 4.625%
HK$32,510
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,290/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,081
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,941
−HK$873/mo
Today · 4.125%
HK$33,814
baseline
▲ 0.50% · 4.625%
HK$35,597
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,628/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,076
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,229
−HK$1,172/mo
Today · 4.125%
HK$39,401
baseline
▲ 0.50% · 4.625%
HK$41,799
+HK$2,398/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,802/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,247
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,353
−HK$1,122/mo
Today · 4.125%
HK$43,475
baseline
▲ 0.50% · 4.625%
HK$45,767
+HK$2,292/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,950/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,315 · 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).