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$20,559
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,198
−HK$650/mo
Today · 4.125%
HK$21,848
baseline
▲ 0.50% · 4.625%
HK$23,177
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,696/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,871
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,485
−HK$622/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,378
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,670
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,438
−HK$779/mo
Today · 4.125%
HK$26,217
baseline
▲ 0.50% · 4.625%
HK$27,813
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,434/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,445
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,181
−HK$747/mo
Today · 4.125%
HK$28,928
baseline
▲ 0.50% · 4.625%
HK$30,453
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,856/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,782
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,677
−HK$910/mo
Today · 4.125%
HK$30,587
baseline
▲ 0.50% · 4.625%
HK$32,448
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,174/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,020
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,878
−HK$872/mo
Today · 4.125%
HK$33,750
baseline
▲ 0.50% · 4.625%
HK$35,529
+HK$1,779/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,500/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,005
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,156
−HK$1,170/mo
Today · 4.125%
HK$39,326
baseline
▲ 0.50% · 4.625%
HK$41,719
+HK$2,393/mo
Deposit HK$902K · loan HK$8.11M · min. income ≈ HK$78,652/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,168
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,272
−HK$1,120/mo
Today · 4.125%
HK$43,392
baseline
▲ 0.50% · 4.625%
HK$45,680
+HK$2,288/mo
Deposit HK$902K · loan HK$8.11M · min. income ≈ HK$86,784/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,590 · 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).