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$20,571
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,210
−HK$651/mo
Today · 4.125%
HK$21,861
baseline
▲ 0.50% · 4.625%
HK$23,191
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,722/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,885
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,498
−HK$623/mo
Today · 4.125%
HK$24,121
baseline
▲ 0.50% · 4.625%
HK$25,392
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,242/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,685
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,453
−HK$780/mo
Today · 4.125%
HK$26,233
baseline
▲ 0.50% · 4.625%
HK$27,829
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,466/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,461
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,198
−HK$747/mo
Today · 4.125%
HK$28,945
baseline
▲ 0.50% · 4.625%
HK$30,471
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,890/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,799
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,695
−HK$910/mo
Today · 4.125%
HK$30,605
baseline
▲ 0.50% · 4.625%
HK$32,467
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,210/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,038
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,898
−HK$871/mo
Today · 4.125%
HK$33,769
baseline
▲ 0.50% · 4.625%
HK$35,549
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,538/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,027
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,179
−HK$1,170/mo
Today · 4.125%
HK$39,349
baseline
▲ 0.50% · 4.625%
HK$41,743
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,698/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,192
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,297
−HK$1,121/mo
Today · 4.125%
HK$43,418
baseline
▲ 0.50% · 4.625%
HK$45,706
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,836/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,118 · 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).