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$20,593
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,234
−HK$651/mo
Today · 4.125%
HK$21,885
baseline
▲ 0.50% · 4.625%
HK$23,216
+HK$1,331/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,770/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,910
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,524
−HK$624/mo
Today · 4.125%
HK$24,148
baseline
▲ 0.50% · 4.625%
HK$25,420
+HK$1,272/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,296/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,712
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,481
−HK$781/mo
Today · 4.125%
HK$26,262
baseline
▲ 0.50% · 4.625%
HK$27,859
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,524/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,492
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,229
−HK$748/mo
Today · 4.125%
HK$28,977
baseline
▲ 0.50% · 4.625%
HK$30,504
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,954/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,831
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,727
−HK$911/mo
Today · 4.125%
HK$30,638
baseline
▲ 0.50% · 4.625%
HK$32,503
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,276/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,074
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,934
−HK$873/mo
Today · 4.125%
HK$33,807
baseline
▲ 0.50% · 4.625%
HK$35,589
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,614/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,068
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,221
−HK$1,171/mo
Today · 4.125%
HK$39,392
baseline
▲ 0.50% · 4.625%
HK$41,789
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,784/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,238
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,344
−HK$1,122/mo
Today · 4.125%
HK$43,466
baseline
▲ 0.50% · 4.625%
HK$45,757
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,932/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,111 · 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).