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$20,640
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,282
−HK$652/mo
Today · 4.125%
HK$21,934
baseline
▲ 0.50% · 4.625%
HK$23,268
+HK$1,334/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,868/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,961
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,577
−HK$625/mo
Today · 4.125%
HK$24,202
baseline
▲ 0.50% · 4.625%
HK$25,478
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,404/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,767
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,538
−HK$783/mo
Today · 4.125%
HK$26,321
baseline
▲ 0.50% · 4.625%
HK$27,922
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,642/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,554
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,293
−HK$749/mo
Today · 4.125%
HK$29,042
baseline
▲ 0.50% · 4.625%
HK$30,573
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,084/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,895
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,794
−HK$913/mo
Today · 4.125%
HK$30,707
baseline
▲ 0.50% · 4.625%
HK$32,576
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,414/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,146
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,008
−HK$875/mo
Today · 4.125%
HK$33,883
baseline
▲ 0.50% · 4.625%
HK$35,669
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,766/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,151
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,307
−HK$1,174/mo
Today · 4.125%
HK$39,481
baseline
▲ 0.50% · 4.625%
HK$41,883
+HK$2,402/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,962/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,330
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,439
−HK$1,124/mo
Today · 4.125%
HK$43,563
baseline
▲ 0.50% · 4.625%
HK$45,860
+HK$2,297/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,126/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,143 · 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).