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$20,616
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,258
−HK$651/mo
Today · 4.125%
HK$21,909
baseline
▲ 0.50% · 4.625%
HK$23,242
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,818/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,935
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,551
−HK$624/mo
Today · 4.125%
HK$24,175
baseline
▲ 0.50% · 4.625%
HK$25,449
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,350/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$274,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,740
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,509
−HK$782/mo
Today · 4.125%
HK$26,291
baseline
▲ 0.50% · 4.625%
HK$27,891
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,582/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,523
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,261
−HK$748/mo
Today · 4.125%
HK$29,009
baseline
▲ 0.50% · 4.625%
HK$30,539
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,018/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,863
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,761
−HK$912/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,539
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,110
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,971
−HK$873/mo
Today · 4.125%
HK$33,844
baseline
▲ 0.50% · 4.625%
HK$35,628
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,688/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,109
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,264
−HK$1,172/mo
Today · 4.125%
HK$39,436
baseline
▲ 0.50% · 4.625%
HK$41,836
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,872/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,284
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,391
−HK$1,123/mo
Today · 4.125%
HK$43,514
baseline
▲ 0.50% · 4.625%
HK$45,808
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,028/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,122 · 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).