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$20,655
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,297
−HK$653/mo
Today · 4.125%
HK$21,950
baseline
▲ 0.50% · 4.625%
HK$23,285
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,900/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,978
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,594
−HK$625/mo
Today · 4.125%
HK$24,219
baseline
▲ 0.50% · 4.625%
HK$25,496
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,438/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,786
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,557
−HK$783/mo
Today · 4.125%
HK$26,340
baseline
▲ 0.50% · 4.625%
HK$27,943
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,680/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,574
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,313
−HK$750/mo
Today · 4.125%
HK$29,063
baseline
▲ 0.50% · 4.625%
HK$30,595
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,126/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,916
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,816
−HK$914/mo
Today · 4.125%
HK$30,730
baseline
▲ 0.50% · 4.625%
HK$32,600
+HK$1,870/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,460/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,169
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$875/mo
Today · 4.125%
HK$33,907
baseline
▲ 0.50% · 4.625%
HK$35,695
+HK$1,788/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,814/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,178
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,335
−HK$1,175/mo
Today · 4.125%
HK$39,510
baseline
▲ 0.50% · 4.625%
HK$41,914
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,020/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,361
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,470
−HK$1,125/mo
Today · 4.125%
HK$43,595
baseline
▲ 0.50% · 4.625%
HK$45,893
+HK$2,298/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,190/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,803 · 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).