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$20,553
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,193
−HK$649/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$23,171
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,865
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,479
−HK$622/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,371
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,664
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,431
−HK$780/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,806
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,439
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,174
−HK$747/mo
Today · 4.125%
HK$28,921
baseline
▲ 0.50% · 4.625%
HK$30,445
+HK$1,524/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,842/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,775
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,670
−HK$909/mo
Today · 4.125%
HK$30,579
baseline
▲ 0.50% · 4.625%
HK$32,440
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,158/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,012
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,870
−HK$871/mo
Today · 4.125%
HK$33,741
baseline
▲ 0.50% · 4.625%
HK$35,520
+HK$1,779/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,482/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,996
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,147
−HK$1,169/mo
Today · 4.125%
HK$39,316
baseline
▲ 0.50% · 4.625%
HK$41,708
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,632/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,158
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,262
−HK$1,119/mo
Today · 4.125%
HK$43,381
baseline
▲ 0.50% · 4.625%
HK$45,668
+HK$2,287/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,762/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,365 · 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).