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$20,568
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,208
−HK$650/mo
Today · 4.125%
HK$21,858
baseline
▲ 0.50% · 4.625%
HK$23,188
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,716/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,882
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,496
−HK$622/mo
Today · 4.125%
HK$24,118
baseline
▲ 0.50% · 4.625%
HK$25,390
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,236/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,682
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,450
−HK$780/mo
Today · 4.125%
HK$26,230
baseline
▲ 0.50% · 4.625%
HK$27,826
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,460/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,459
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,195
−HK$747/mo
Today · 4.125%
HK$28,942
baseline
▲ 0.50% · 4.625%
HK$30,468
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,884/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,796
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,692
−HK$910/mo
Today · 4.125%
HK$30,602
baseline
▲ 0.50% · 4.625%
HK$32,464
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,204/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,035
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,894
−HK$872/mo
Today · 4.125%
HK$33,766
baseline
▲ 0.50% · 4.625%
HK$35,546
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,532/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,023
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,175
−HK$1,170/mo
Today · 4.125%
HK$39,345
baseline
▲ 0.50% · 4.625%
HK$41,739
+HK$2,394/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,690/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,188
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,293
−HK$1,120/mo
Today · 4.125%
HK$43,413
baseline
▲ 0.50% · 4.625%
HK$45,702
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,826/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,026 · 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).