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$20,611
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,252
−HK$652/mo
Today · 4.125%
HK$21,904
baseline
▲ 0.50% · 4.625%
HK$23,236
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,808/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,930
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,545
−HK$623/mo
Today · 4.125%
HK$24,168
baseline
▲ 0.50% · 4.625%
HK$25,442
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,336/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,733
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,503
−HK$781/mo
Today · 4.125%
HK$26,284
baseline
▲ 0.50% · 4.625%
HK$27,884
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,568/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,516
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,254
−HK$748/mo
Today · 4.125%
HK$29,002
baseline
▲ 0.50% · 4.625%
HK$30,531
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,004/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,856
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,753
−HK$912/mo
Today · 4.125%
HK$30,665
baseline
▲ 0.50% · 4.625%
HK$32,531
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,330/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,102
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,962
−HK$874/mo
Today · 4.125%
HK$33,836
baseline
▲ 0.50% · 4.625%
HK$35,619
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,672/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,100
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,254
−HK$1,173/mo
Today · 4.125%
HK$39,427
baseline
▲ 0.50% · 4.625%
HK$41,826
+HK$2,399/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,854/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,273
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,380
−HK$1,123/mo
Today · 4.125%
HK$43,503
baseline
▲ 0.50% · 4.625%
HK$45,796
+HK$2,293/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,006/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,895 · 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).