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$20,644
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,286
−HK$653/mo
Today · 4.125%
HK$21,939
baseline
▲ 0.50% · 4.625%
HK$23,274
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,878/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,966
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,582
−HK$625/mo
Today · 4.125%
HK$24,207
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,414/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,773
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,544
−HK$782/mo
Today · 4.125%
HK$26,326
baseline
▲ 0.50% · 4.625%
HK$27,928
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,652/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,560
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,299
−HK$750/mo
Today · 4.125%
HK$29,049
baseline
▲ 0.50% · 4.625%
HK$30,580
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,098/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,902
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,801
−HK$913/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,583
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,428/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,153
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,015
−HK$875/mo
Today · 4.125%
HK$33,890
baseline
▲ 0.50% · 4.625%
HK$35,677
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,780/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,159
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,315
−HK$1,175/mo
Today · 4.125%
HK$39,490
baseline
▲ 0.50% · 4.625%
HK$41,893
+HK$2,403/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,980/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,340
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,448
−HK$1,125/mo
Today · 4.125%
HK$43,573
baseline
▲ 0.50% · 4.625%
HK$45,870
+HK$2,297/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,146/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,344 · 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).