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$20,591
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,232
−HK$651/mo
Today · 4.125%
HK$21,883
baseline
▲ 0.50% · 4.625%
HK$23,214
+HK$1,331/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,766/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,908
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,522
−HK$623/mo
Today · 4.125%
HK$24,145
baseline
▲ 0.50% · 4.625%
HK$25,418
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,290/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,710
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,478
−HK$781/mo
Today · 4.125%
HK$26,259
baseline
▲ 0.50% · 4.625%
HK$27,857
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,518/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,489
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,227
−HK$748/mo
Today · 4.125%
HK$28,975
baseline
▲ 0.50% · 4.625%
HK$30,502
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,950/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,828
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,725
−HK$911/mo
Today · 4.125%
HK$30,636
baseline
▲ 0.50% · 4.625%
HK$32,500
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,272/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,071
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,931
−HK$873/mo
Today · 4.125%
HK$33,804
baseline
▲ 0.50% · 4.625%
HK$35,586
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,608/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,065
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,218
−HK$1,171/mo
Today · 4.125%
HK$39,389
baseline
▲ 0.50% · 4.625%
HK$41,786
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,778/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,234
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,340
−HK$1,122/mo
Today · 4.125%
HK$43,462
baseline
▲ 0.50% · 4.625%
HK$45,753
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,924/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,035 · 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).