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$20,637
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,279
−HK$653/mo
Today · 4.125%
HK$21,932
baseline
▲ 0.50% · 4.625%
HK$23,266
+HK$1,334/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,864/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,959
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,575
−HK$624/mo
Today · 4.125%
HK$24,199
baseline
▲ 0.50% · 4.625%
HK$25,475
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,398/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,765
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,535
−HK$783/mo
Today · 4.125%
HK$26,318
baseline
▲ 0.50% · 4.625%
HK$27,919
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,636/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,551
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,290
−HK$749/mo
Today · 4.125%
HK$29,039
baseline
▲ 0.50% · 4.625%
HK$30,570
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,078/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,892
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,791
−HK$913/mo
Today · 4.125%
HK$30,704
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,408/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,143
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$874/mo
Today · 4.125%
HK$33,879
baseline
▲ 0.50% · 4.625%
HK$35,665
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,758/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,147
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,303
−HK$1,174/mo
Today · 4.125%
HK$39,477
baseline
▲ 0.50% · 4.625%
HK$41,879
+HK$2,402/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,954/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,326
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,435
−HK$1,124/mo
Today · 4.125%
HK$43,559
baseline
▲ 0.50% · 4.625%
HK$45,855
+HK$2,296/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,118/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,051 · 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).