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$20,554
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$649/mo
Today · 4.125%
HK$21,843
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,686/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$622/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,372
+HK$1,270/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,665
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$779/mo
Today · 4.125%
HK$26,212
baseline
▲ 0.50% · 4.625%
HK$27,807
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,424/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,440
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$28,176
−HK$746/mo
Today · 4.125%
HK$28,922
baseline
▲ 0.50% · 4.625%
HK$30,447
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,844/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,776
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,671
−HK$910/mo
Today · 4.125%
HK$30,581
baseline
▲ 0.50% · 4.625%
HK$32,442
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,162/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,013
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,872
−HK$871/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,521
+HK$1,778/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,998
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,149
−HK$1,169/mo
Today · 4.125%
HK$39,318
baseline
▲ 0.50% · 4.625%
HK$41,711
+HK$2,393/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,636/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,160
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,264
−HK$1,120/mo
Today · 4.125%
HK$43,384
baseline
▲ 0.50% · 4.625%
HK$45,670
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,768/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,410 · 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).