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$20,578
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,218
−HK$651/mo
Today · 4.125%
HK$21,869
baseline
▲ 0.50% · 4.625%
HK$23,199
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,738/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,893
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,507
−HK$623/mo
Today · 4.125%
HK$24,130
baseline
▲ 0.50% · 4.625%
HK$25,402
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,260/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,694
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,462
−HK$780/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,839
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,472
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,208
−HK$748/mo
Today · 4.125%
HK$28,956
baseline
▲ 0.50% · 4.625%
HK$30,482
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,912/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,810
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$910/mo
Today · 4.125%
HK$30,616
baseline
▲ 0.50% · 4.625%
HK$32,479
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,232/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,050
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,910
−HK$872/mo
Today · 4.125%
HK$33,782
baseline
▲ 0.50% · 4.625%
HK$35,563
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,564/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,041
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,193
−HK$1,171/mo
Today · 4.125%
HK$39,364
baseline
▲ 0.50% · 4.625%
HK$41,759
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,728/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,208
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,313
−HK$1,121/mo
Today · 4.125%
HK$43,434
baseline
▲ 0.50% · 4.625%
HK$45,723
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,868/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,453 · 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).