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$20,552
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,191
−HK$649/mo
Today · 4.125%
HK$21,840
baseline
▲ 0.50% · 4.625%
HK$23,169
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,680/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,863
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,477
−HK$622/mo
Today · 4.125%
HK$24,099
baseline
▲ 0.50% · 4.625%
HK$25,369
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,198/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,662
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,429
−HK$779/mo
Today · 4.125%
HK$26,208
baseline
▲ 0.50% · 4.625%
HK$27,803
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,416/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,436
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,172
−HK$746/mo
Today · 4.125%
HK$28,918
baseline
▲ 0.50% · 4.625%
HK$30,443
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,836/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,772
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,667
−HK$910/mo
Today · 4.125%
HK$30,577
baseline
▲ 0.50% · 4.625%
HK$32,437
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,154/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,009
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,867
−HK$871/mo
Today · 4.125%
HK$33,738
baseline
▲ 0.50% · 4.625%
HK$35,517
+HK$1,779/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,476/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,993
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,144
−HK$1,169/mo
Today · 4.125%
HK$39,313
baseline
▲ 0.50% · 4.625%
HK$41,705
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,626/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,154
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,258
−HK$1,120/mo
Today · 4.125%
HK$43,378
baseline
▲ 0.50% · 4.625%
HK$45,664
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,756/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,285 · 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).