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$20,662
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,304
−HK$653/mo
Today · 4.125%
HK$21,957
baseline
▲ 0.50% · 4.625%
HK$23,293
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,914/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,986
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,602
−HK$626/mo
Today · 4.125%
HK$24,228
baseline
▲ 0.50% · 4.625%
HK$25,505
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,456/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,794
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$784/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,952
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,698/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,583
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,323
−HK$750/mo
Today · 4.125%
HK$29,073
baseline
▲ 0.50% · 4.625%
HK$30,606
+HK$1,533/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,146/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,926
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,826
−HK$914/mo
Today · 4.125%
HK$30,740
baseline
▲ 0.50% · 4.625%
HK$32,611
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,480/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,180
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,043
−HK$876/mo
Today · 4.125%
HK$33,919
baseline
▲ 0.50% · 4.625%
HK$35,707
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,838/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,191
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,348
−HK$1,175/mo
Today · 4.125%
HK$39,523
baseline
▲ 0.50% · 4.625%
HK$41,928
+HK$2,405/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$79,046/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,375
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,484
−HK$1,126/mo
Today · 4.125%
HK$43,610
baseline
▲ 0.50% · 4.625%
HK$45,909
+HK$2,299/mo
Deposit HK$906K · loan HK$8.16M · min. income ≈ HK$87,220/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,113 · 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).