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$20,577
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,217
−HK$651/mo
Today · 4.125%
HK$21,868
baseline
▲ 0.50% · 4.625%
HK$23,198
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,736/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,892
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$623/mo
Today · 4.125%
HK$24,129
baseline
▲ 0.50% · 4.625%
HK$25,401
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,258/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,693
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$780/mo
Today · 4.125%
HK$26,241
baseline
▲ 0.50% · 4.625%
HK$27,838
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,482/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,471
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,207
−HK$748/mo
Today · 4.125%
HK$28,955
baseline
▲ 0.50% · 4.625%
HK$30,481
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,910/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,808
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,704
−HK$911/mo
Today · 4.125%
HK$30,615
baseline
▲ 0.50% · 4.625%
HK$32,478
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,230/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,049
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,909
−HK$872/mo
Today · 4.125%
HK$33,781
baseline
▲ 0.50% · 4.625%
HK$35,561
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,562/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,039
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,191
−HK$1,171/mo
Today · 4.125%
HK$39,362
baseline
▲ 0.50% · 4.625%
HK$41,757
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,724/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,206
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,311
−HK$1,121/mo
Today · 4.125%
HK$43,432
baseline
▲ 0.50% · 4.625%
HK$45,721
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,864/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,417 · 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).