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$20,673
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,316
−HK$654/mo
Today · 4.125%
HK$21,970
baseline
▲ 0.50% · 4.625%
HK$23,306
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,940/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,999
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,616
−HK$625/mo
Today · 4.125%
HK$24,241
baseline
▲ 0.50% · 4.625%
HK$25,519
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,482/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,808
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,580
−HK$784/mo
Today · 4.125%
HK$26,364
baseline
▲ 0.50% · 4.625%
HK$27,968
+HK$1,604/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,728/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,599
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,339
−HK$751/mo
Today · 4.125%
HK$29,090
baseline
▲ 0.50% · 4.625%
HK$30,623
+HK$1,533/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,180/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,943
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,843
−HK$915/mo
Today · 4.125%
HK$30,758
baseline
▲ 0.50% · 4.625%
HK$32,629
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,516/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,198
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,062
−HK$876/mo
Today · 4.125%
HK$33,938
baseline
▲ 0.50% · 4.625%
HK$35,727
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,876/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,212
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,369
−HK$1,176/mo
Today · 4.125%
HK$39,545
baseline
▲ 0.50% · 4.625%
HK$41,952
+HK$2,407/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,090/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,398
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,508
−HK$1,127/mo
Today · 4.125%
HK$43,635
baseline
▲ 0.50% · 4.625%
HK$45,935
+HK$2,300/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,270/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,622 · 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).