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$20,699
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,342
−HK$655/mo
Today · 4.125%
HK$21,997
baseline
▲ 0.50% · 4.625%
HK$23,335
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,994/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,027
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$23,645
−HK$626/mo
Today · 4.125%
HK$24,271
baseline
▲ 0.50% · 4.625%
HK$25,550
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,542/mo (50% DSR)
Upfront cash ≈ HK$4.82M (deposit + AVD stamp duty HK$277,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,838
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,611
−HK$785/mo
Today · 4.125%
HK$26,396
baseline
▲ 0.50% · 4.625%
HK$28,002
+HK$1,606/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$52,792/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,632
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,374
−HK$751/mo
Today · 4.125%
HK$29,125
baseline
▲ 0.50% · 4.625%
HK$30,661
+HK$1,536/mo
Deposit HK$3.63M · loan HK$5.45M · min. income ≈ HK$58,250/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,978
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,879
−HK$916/mo
Today · 4.125%
HK$30,795
baseline
▲ 0.50% · 4.625%
HK$32,669
+HK$1,874/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,590/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,238
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,102
−HK$878/mo
Today · 4.125%
HK$33,980
baseline
▲ 0.50% · 4.625%
HK$35,771
+HK$1,791/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,960/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,258
−HK$2,336/mo
▼ 0.25% · 3.875%
HK$38,416
−HK$1,178/mo
Today · 4.125%
HK$39,594
baseline
▲ 0.50% · 4.625%
HK$42,003
+HK$2,409/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$79,188/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,449
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,560
−HK$1,128/mo
Today · 4.125%
HK$43,688
baseline
▲ 0.50% · 4.625%
HK$45,991
+HK$2,303/mo
Deposit HK$908K · loan HK$8.17M · min. income ≈ HK$87,376/mo (50% DSR)
Upfront cash ≈ HK$1.19M (deposit + AVD stamp duty HK$277,734 · 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).