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$20,579
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,219
−HK$650/mo
Today · 4.125%
HK$21,869
baseline
▲ 0.50% · 4.625%
HK$23,200
+HK$1,331/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$272,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,894
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$622/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$272,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,694
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,463
−HK$780/mo
Today · 4.125%
HK$26,243
baseline
▲ 0.50% · 4.625%
HK$27,840
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,486/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,472
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,209
−HK$747/mo
Today · 4.125%
HK$28,956
baseline
▲ 0.50% · 4.625%
HK$30,483
+HK$1,527/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$272,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,810
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$911/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,051
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,911
−HK$872/mo
Today · 4.125%
HK$33,783
baseline
▲ 0.50% · 4.625%
HK$35,563
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,566/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,042
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,194
−HK$1,170/mo
Today · 4.125%
HK$39,364
baseline
▲ 0.50% · 4.625%
HK$41,760
+HK$2,396/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$272,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,208
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,314
−HK$1,121/mo
Today · 4.125%
HK$43,435
baseline
▲ 0.50% · 4.625%
HK$45,724
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,870/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,471 · 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).