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$20,582
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,222
−HK$650/mo
Today · 4.125%
HK$21,872
baseline
▲ 0.50% · 4.625%
HK$23,203
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,744/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,897
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,511
−HK$623/mo
Today · 4.125%
HK$24,134
baseline
▲ 0.50% · 4.625%
HK$25,406
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,268/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,698
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,466
−HK$781/mo
Today · 4.125%
HK$26,247
baseline
▲ 0.50% · 4.625%
HK$27,844
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,494/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,476
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,213
−HK$748/mo
Today · 4.125%
HK$28,961
baseline
▲ 0.50% · 4.625%
HK$30,487
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,922/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,815
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,711
−HK$910/mo
Today · 4.125%
HK$30,621
baseline
▲ 0.50% · 4.625%
HK$32,485
+HK$1,864/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,242/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,056
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,916
−HK$872/mo
Today · 4.125%
HK$33,788
baseline
▲ 0.50% · 4.625%
HK$35,569
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,576/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,047
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,200
−HK$1,170/mo
Today · 4.125%
HK$39,370
baseline
▲ 0.50% · 4.625%
HK$41,766
+HK$2,396/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$78,740/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,215
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,320
−HK$1,121/mo
Today · 4.125%
HK$43,441
baseline
▲ 0.50% · 4.625%
HK$45,731
+HK$2,290/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$86,882/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,609 · 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).