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$20,653
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,295
−HK$653/mo
Today · 4.125%
HK$21,948
baseline
▲ 0.50% · 4.625%
HK$23,284
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,896/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,976
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,593
−HK$625/mo
Today · 4.125%
HK$24,218
baseline
▲ 0.50% · 4.625%
HK$25,494
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,436/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,784
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,555
−HK$783/mo
Today · 4.125%
HK$26,338
baseline
▲ 0.50% · 4.625%
HK$27,940
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,676/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,572
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,311
−HK$750/mo
Today · 4.125%
HK$29,061
baseline
▲ 0.50% · 4.625%
HK$30,593
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,122/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,914
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,814
−HK$913/mo
Today · 4.125%
HK$30,727
baseline
▲ 0.50% · 4.625%
HK$32,597
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,454/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,167
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,030
−HK$875/mo
Today · 4.125%
HK$33,905
baseline
▲ 0.50% · 4.625%
HK$35,692
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,810/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,175
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,332
−HK$1,175/mo
Today · 4.125%
HK$39,507
baseline
▲ 0.50% · 4.625%
HK$41,911
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,014/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,357
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,467
−HK$1,125/mo
Today · 4.125%
HK$43,592
baseline
▲ 0.50% · 4.625%
HK$45,890
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,184/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,734 · 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).