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$20,605
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,246
−HK$651/mo
Today · 4.125%
HK$21,897
baseline
▲ 0.50% · 4.625%
HK$23,229
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,794/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,923
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,538
−HK$623/mo
Today · 4.125%
HK$24,161
baseline
▲ 0.50% · 4.625%
HK$25,435
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,322/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,726
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,495
−HK$781/mo
Today · 4.125%
HK$26,276
baseline
▲ 0.50% · 4.625%
HK$27,875
+HK$1,599/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,552/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,507
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,245
−HK$748/mo
Today · 4.125%
HK$28,993
baseline
▲ 0.50% · 4.625%
HK$30,522
+HK$1,529/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,986/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,847
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,744
−HK$912/mo
Today · 4.125%
HK$30,656
baseline
▲ 0.50% · 4.625%
HK$32,521
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,312/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,092
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,953
−HK$873/mo
Today · 4.125%
HK$33,826
baseline
▲ 0.50% · 4.625%
HK$35,609
+HK$1,783/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,652/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,089
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,243
−HK$1,172/mo
Today · 4.125%
HK$39,415
baseline
▲ 0.50% · 4.625%
HK$41,813
+HK$2,398/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$78,830/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,261
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,368
−HK$1,122/mo
Today · 4.125%
HK$43,490
baseline
▲ 0.50% · 4.625%
HK$45,783
+HK$2,293/mo
Deposit HK$904K · loan HK$8.13M · min. income ≈ HK$86,980/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,623 · 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).