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$20,688
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,331
−HK$654/mo
Today · 4.125%
HK$21,985
baseline
▲ 0.50% · 4.625%
HK$23,323
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,970/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,015
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,632
−HK$627/mo
Today · 4.125%
HK$24,259
baseline
▲ 0.50% · 4.625%
HK$25,537
+HK$1,278/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,518/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,826
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,598
−HK$784/mo
Today · 4.125%
HK$26,382
baseline
▲ 0.50% · 4.625%
HK$27,988
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,764/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,618
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,359
−HK$751/mo
Today · 4.125%
HK$29,110
baseline
▲ 0.50% · 4.625%
HK$30,645
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,220/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,963
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,864
−HK$915/mo
Today · 4.125%
HK$30,779
baseline
▲ 0.50% · 4.625%
HK$32,652
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,558/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,221
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,085
−HK$877/mo
Today · 4.125%
HK$33,962
baseline
▲ 0.50% · 4.625%
HK$35,752
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,924/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,238
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,397
−HK$1,177/mo
Today · 4.125%
HK$39,574
baseline
▲ 0.50% · 4.625%
HK$41,981
+HK$2,407/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$79,148/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,427
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,538
−HK$1,127/mo
Today · 4.125%
HK$43,665
baseline
▲ 0.50% · 4.625%
HK$45,967
+HK$2,302/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$87,330/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,265 · 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).