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$20,623
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,264
−HK$652/mo
Today · 4.125%
HK$21,916
baseline
▲ 0.50% · 4.625%
HK$23,250
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,832/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,943
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,558
−HK$624/mo
Today · 4.125%
HK$24,182
baseline
▲ 0.50% · 4.625%
HK$25,457
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,364/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,748
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,517
−HK$782/mo
Today · 4.125%
HK$26,299
baseline
▲ 0.50% · 4.625%
HK$27,900
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,598/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,531
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,270
−HK$749/mo
Today · 4.125%
HK$29,019
baseline
▲ 0.50% · 4.625%
HK$30,549
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,038/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,872
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$913/mo
Today · 4.125%
HK$30,683
baseline
▲ 0.50% · 4.625%
HK$32,550
+HK$1,867/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,366/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,120
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,981
−HK$874/mo
Today · 4.125%
HK$33,855
baseline
▲ 0.50% · 4.625%
HK$35,640
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,710/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,121
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,276
−HK$1,173/mo
Today · 4.125%
HK$39,449
baseline
▲ 0.50% · 4.625%
HK$41,850
+HK$2,401/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,898/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,297
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,405
−HK$1,123/mo
Today · 4.125%
HK$43,528
baseline
▲ 0.50% · 4.625%
HK$45,823
+HK$2,295/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,056/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,416 · 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).