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$20,589
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,230
−HK$651/mo
Today · 4.125%
HK$21,881
baseline
▲ 0.50% · 4.625%
HK$23,212
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,762/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,906
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,520
−HK$623/mo
Today · 4.125%
HK$24,143
baseline
▲ 0.50% · 4.625%
HK$25,416
+HK$1,273/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,286/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,707
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,476
−HK$781/mo
Today · 4.125%
HK$26,257
baseline
▲ 0.50% · 4.625%
HK$27,854
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,514/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,487
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,224
−HK$748/mo
Today · 4.125%
HK$28,972
baseline
▲ 0.50% · 4.625%
HK$30,499
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,944/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,825
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$911/mo
Today · 4.125%
HK$30,633
baseline
▲ 0.50% · 4.625%
HK$32,497
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,266/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,068
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,928
−HK$872/mo
Today · 4.125%
HK$33,800
baseline
▲ 0.50% · 4.625%
HK$35,582
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,600/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,061
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,214
−HK$1,171/mo
Today · 4.125%
HK$39,385
baseline
▲ 0.50% · 4.625%
HK$41,782
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,770/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,230
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,336
−HK$1,122/mo
Today · 4.125%
HK$43,458
baseline
▲ 0.50% · 4.625%
HK$45,748
+HK$2,290/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,916/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,947 · 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).