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$20,652
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,294
−HK$653/mo
Today · 4.125%
HK$21,947
baseline
▲ 0.50% · 4.625%
HK$23,282
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,894/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,975
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,591
−HK$625/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,493
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,782
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,553
−HK$783/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,939
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,672/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,570
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,309
−HK$751/mo
Today · 4.125%
HK$29,060
baseline
▲ 0.50% · 4.625%
HK$30,591
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,120/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,913
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,812
−HK$914/mo
Today · 4.125%
HK$30,726
baseline
▲ 0.50% · 4.625%
HK$32,595
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,452/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,165
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,028
−HK$875/mo
Today · 4.125%
HK$33,903
baseline
▲ 0.50% · 4.625%
HK$35,690
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,806/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,173
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,330
−HK$1,175/mo
Today · 4.125%
HK$39,505
baseline
▲ 0.50% · 4.625%
HK$41,908
+HK$2,403/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,010/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,355
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,464
−HK$1,125/mo
Today · 4.125%
HK$43,589
baseline
▲ 0.50% · 4.625%
HK$45,887
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,178/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,684 · 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).