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$20,585
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,226
−HK$650/mo
Today · 4.125%
HK$21,876
baseline
▲ 0.50% · 4.625%
HK$23,207
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,752/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,901
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,515
−HK$623/mo
Today · 4.125%
HK$24,138
baseline
▲ 0.50% · 4.625%
HK$25,411
+HK$1,273/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,276/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,703
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,471
−HK$781/mo
Today · 4.125%
HK$26,252
baseline
▲ 0.50% · 4.625%
HK$27,849
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,504/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,481
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,218
−HK$748/mo
Today · 4.125%
HK$28,966
baseline
▲ 0.50% · 4.625%
HK$30,493
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,932/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,820
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,716
−HK$911/mo
Today · 4.125%
HK$30,627
baseline
▲ 0.50% · 4.625%
HK$32,490
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,254/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,062
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,921
−HK$873/mo
Today · 4.125%
HK$33,794
baseline
▲ 0.50% · 4.625%
HK$35,575
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,588/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,054
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,206
−HK$1,171/mo
Today · 4.125%
HK$39,377
baseline
▲ 0.50% · 4.625%
HK$41,773
+HK$2,396/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$78,754/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,222
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,328
−HK$1,121/mo
Today · 4.125%
HK$43,449
baseline
▲ 0.50% · 4.625%
HK$45,739
+HK$2,290/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$86,898/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,770 · 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).