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$20,693
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,337
−HK$654/mo
Today · 4.125%
HK$21,991
baseline
▲ 0.50% · 4.625%
HK$23,329
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,982/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,021
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,639
−HK$626/mo
Today · 4.125%
HK$24,265
baseline
▲ 0.50% · 4.625%
HK$25,544
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,530/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,832
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,604
−HK$785/mo
Today · 4.125%
HK$26,389
baseline
▲ 0.50% · 4.625%
HK$27,995
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,778/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,625
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,366
−HK$752/mo
Today · 4.125%
HK$29,118
baseline
▲ 0.50% · 4.625%
HK$30,653
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,236/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,971
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,872
−HK$915/mo
Today · 4.125%
HK$30,787
baseline
▲ 0.50% · 4.625%
HK$32,661
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,574/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,230
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,094
−HK$877/mo
Today · 4.125%
HK$33,971
baseline
▲ 0.50% · 4.625%
HK$35,761
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,942/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,248
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,407
−HK$1,177/mo
Today · 4.125%
HK$39,584
baseline
▲ 0.50% · 4.625%
HK$41,992
+HK$2,408/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,168/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,438
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,549
−HK$1,128/mo
Today · 4.125%
HK$43,677
baseline
▲ 0.50% · 4.625%
HK$45,979
+HK$2,302/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,354/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,500 · 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).