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$20,690
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,333
−HK$654/mo
Today · 4.125%
HK$21,987
baseline
▲ 0.50% · 4.625%
HK$23,325
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,974/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,017
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,635
−HK$626/mo
Today · 4.125%
HK$24,261
baseline
▲ 0.50% · 4.625%
HK$25,540
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,522/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,828
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,600
−HK$785/mo
Today · 4.125%
HK$26,385
baseline
▲ 0.50% · 4.625%
HK$27,990
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,770/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,621
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,362
−HK$751/mo
Today · 4.125%
HK$29,113
baseline
▲ 0.50% · 4.625%
HK$30,648
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,226/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,966
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$915/mo
Today · 4.125%
HK$30,782
baseline
▲ 0.50% · 4.625%
HK$32,655
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,564/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,224
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,088
−HK$877/mo
Today · 4.125%
HK$33,965
baseline
▲ 0.50% · 4.625%
HK$35,756
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,930/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,242
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,400
−HK$1,177/mo
Today · 4.125%
HK$39,577
baseline
▲ 0.50% · 4.625%
HK$41,985
+HK$2,408/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$79,154/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,431
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,542
−HK$1,128/mo
Today · 4.125%
HK$43,670
baseline
▲ 0.50% · 4.625%
HK$45,971
+HK$2,301/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$87,340/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,350 · 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).