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$20,549
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$649/mo
Today · 4.125%
HK$21,837
baseline
▲ 0.50% · 4.625%
HK$23,166
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,674/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,860
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,473
−HK$622/mo
Today · 4.125%
HK$24,095
baseline
▲ 0.50% · 4.625%
HK$25,366
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,190/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,659
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$779/mo
Today · 4.125%
HK$26,205
baseline
▲ 0.50% · 4.625%
HK$27,799
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,410/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,432
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,168
−HK$747/mo
Today · 4.125%
HK$28,915
baseline
▲ 0.50% · 4.625%
HK$30,439
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,830/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,768
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,663
−HK$909/mo
Today · 4.125%
HK$30,572
baseline
▲ 0.50% · 4.625%
HK$32,433
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,144/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,004
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,863
−HK$871/mo
Today · 4.125%
HK$33,734
baseline
▲ 0.50% · 4.625%
HK$35,512
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,468/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,988
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,138
−HK$1,169/mo
Today · 4.125%
HK$39,307
baseline
▲ 0.50% · 4.625%
HK$41,699
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,614/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,149
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,252
−HK$1,120/mo
Today · 4.125%
HK$43,372
baseline
▲ 0.50% · 4.625%
HK$45,658
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,744/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,163 · 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).