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$20,679
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,322
−HK$654/mo
Today · 4.125%
HK$21,976
baseline
▲ 0.50% · 4.625%
HK$23,313
+HK$1,337/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,952/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,005
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,622
−HK$626/mo
Today · 4.125%
HK$24,248
baseline
▲ 0.50% · 4.625%
HK$25,526
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,496/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,815
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,587
−HK$784/mo
Today · 4.125%
HK$26,371
baseline
▲ 0.50% · 4.625%
HK$27,976
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,742/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,606
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,347
−HK$751/mo
Today · 4.125%
HK$29,098
baseline
▲ 0.50% · 4.625%
HK$30,631
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,196/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,951
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,851
−HK$915/mo
Today · 4.125%
HK$30,766
baseline
▲ 0.50% · 4.625%
HK$32,638
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,532/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,207
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,071
−HK$876/mo
Today · 4.125%
HK$33,947
baseline
▲ 0.50% · 4.625%
HK$35,737
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,894/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,222
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,380
−HK$1,176/mo
Today · 4.125%
HK$39,556
baseline
▲ 0.50% · 4.625%
HK$41,963
+HK$2,407/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,112/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,409
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,520
−HK$1,127/mo
Today · 4.125%
HK$43,647
baseline
▲ 0.50% · 4.625%
HK$45,947
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,294/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,872 · 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).