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$20,546
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,185
−HK$649/mo
Today · 4.125%
HK$21,834
baseline
▲ 0.50% · 4.625%
HK$23,163
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,668/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,857
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,470
−HK$622/mo
Today · 4.125%
HK$24,092
baseline
▲ 0.50% · 4.625%
HK$25,362
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,184/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,655
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,422
−HK$779/mo
Today · 4.125%
HK$26,201
baseline
▲ 0.50% · 4.625%
HK$27,795
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,402/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,428
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,164
−HK$746/mo
Today · 4.125%
HK$28,910
baseline
▲ 0.50% · 4.625%
HK$30,434
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,820/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,764
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,659
−HK$909/mo
Today · 4.125%
HK$30,568
baseline
▲ 0.50% · 4.625%
HK$32,428
+HK$1,860/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,136/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,999
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,858
−HK$870/mo
Today · 4.125%
HK$33,728
baseline
▲ 0.50% · 4.625%
HK$35,506
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,456/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$271,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,982
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,132
−HK$1,169/mo
Today · 4.125%
HK$39,301
baseline
▲ 0.50% · 4.625%
HK$41,693
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,602/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,142
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,246
−HK$1,119/mo
Today · 4.125%
HK$43,365
baseline
▲ 0.50% · 4.625%
HK$45,651
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,730/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,022 · 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).