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$20,592
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,232
−HK$651/mo
Today · 4.125%
HK$21,883
baseline
▲ 0.50% · 4.625%
HK$23,215
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,766/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,908
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,523
−HK$623/mo
Today · 4.125%
HK$24,146
baseline
▲ 0.50% · 4.625%
HK$25,419
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,292/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,710
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,479
−HK$781/mo
Today · 4.125%
HK$26,260
baseline
▲ 0.50% · 4.625%
HK$27,858
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,520/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,490
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,227
−HK$748/mo
Today · 4.125%
HK$28,975
baseline
▲ 0.50% · 4.625%
HK$30,502
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,950/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,829
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,725
−HK$911/mo
Today · 4.125%
HK$30,636
baseline
▲ 0.50% · 4.625%
HK$32,501
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,272/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,072
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,932
−HK$872/mo
Today · 4.125%
HK$33,804
baseline
▲ 0.50% · 4.625%
HK$35,586
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,608/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,065
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,218
−HK$1,172/mo
Today · 4.125%
HK$39,390
baseline
▲ 0.50% · 4.625%
HK$41,786
+HK$2,396/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,780/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,235
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,341
−HK$1,122/mo
Today · 4.125%
HK$43,463
baseline
▲ 0.50% · 4.625%
HK$45,754
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,926/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,051 · 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).