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$20,620
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,261
−HK$652/mo
Today · 4.125%
HK$21,913
baseline
▲ 0.50% · 4.625%
HK$23,246
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,826/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,554
−HK$624/mo
Today · 4.125%
HK$24,178
baseline
▲ 0.50% · 4.625%
HK$25,453
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,356/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,743
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,513
−HK$782/mo
Today · 4.125%
HK$26,295
baseline
▲ 0.50% · 4.625%
HK$27,895
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,590/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,527
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,265
−HK$749/mo
Today · 4.125%
HK$29,014
baseline
▲ 0.50% · 4.625%
HK$30,543
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,028/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,867
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,765
−HK$913/mo
Today · 4.125%
HK$30,678
baseline
▲ 0.50% · 4.625%
HK$32,544
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,356/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,115
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,976
−HK$874/mo
Today · 4.125%
HK$33,850
baseline
▲ 0.50% · 4.625%
HK$35,634
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,700/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,115
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,270
−HK$1,173/mo
Today · 4.125%
HK$39,443
baseline
▲ 0.50% · 4.625%
HK$41,843
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,886/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,290
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,398
−HK$1,123/mo
Today · 4.125%
HK$43,521
baseline
▲ 0.50% · 4.625%
HK$45,815
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,042/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,263 · 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).