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$20,650
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,293
−HK$652/mo
Today · 4.125%
HK$21,945
baseline
▲ 0.50% · 4.625%
HK$23,281
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,890/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,973
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,589
−HK$625/mo
Today · 4.125%
HK$24,214
baseline
▲ 0.50% · 4.625%
HK$25,491
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,428/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,780
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,551
−HK$783/mo
Today · 4.125%
HK$26,334
baseline
▲ 0.50% · 4.625%
HK$27,937
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,668/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,568
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,307
−HK$750/mo
Today · 4.125%
HK$29,057
baseline
▲ 0.50% · 4.625%
HK$30,589
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,114/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,910
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,810
−HK$913/mo
Today · 4.125%
HK$30,723
baseline
▲ 0.50% · 4.625%
HK$32,593
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,446/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,163
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,025
−HK$875/mo
Today · 4.125%
HK$33,900
baseline
▲ 0.50% · 4.625%
HK$35,687
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,800/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,171
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,327
−HK$1,174/mo
Today · 4.125%
HK$39,501
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,002/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,352
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,461
−HK$1,125/mo
Today · 4.125%
HK$43,586
baseline
▲ 0.50% · 4.625%
HK$45,883
+HK$2,297/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,172/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,614 · 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).