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$20,625
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,267
−HK$651/mo
Today · 4.125%
HK$21,918
baseline
▲ 0.50% · 4.625%
HK$23,252
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,836/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,945
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,560
−HK$625/mo
Today · 4.125%
HK$24,185
baseline
▲ 0.50% · 4.625%
HK$25,460
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,370/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,750
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,520
−HK$782/mo
Today · 4.125%
HK$26,302
baseline
▲ 0.50% · 4.625%
HK$27,902
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,604/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,534
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,273
−HK$749/mo
Today · 4.125%
HK$29,022
baseline
▲ 0.50% · 4.625%
HK$30,551
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,044/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,875
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,773
−HK$913/mo
Today · 4.125%
HK$30,686
baseline
▲ 0.50% · 4.625%
HK$32,553
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,372/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,123
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,985
−HK$874/mo
Today · 4.125%
HK$33,859
baseline
▲ 0.50% · 4.625%
HK$35,643
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,718/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,125
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,280
−HK$1,173/mo
Today · 4.125%
HK$39,453
baseline
▲ 0.50% · 4.625%
HK$41,854
+HK$2,401/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,906/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,301
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,409
−HK$1,124/mo
Today · 4.125%
HK$43,533
baseline
▲ 0.50% · 4.625%
HK$45,827
+HK$2,294/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,066/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,504 · 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).