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$20,635
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,277
−HK$652/mo
Today · 4.125%
HK$21,929
baseline
▲ 0.50% · 4.625%
HK$23,264
+HK$1,335/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,858/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,957
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,572
−HK$625/mo
Today · 4.125%
HK$24,197
baseline
▲ 0.50% · 4.625%
HK$25,472
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,394/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,763
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,533
−HK$782/mo
Today · 4.125%
HK$26,315
baseline
▲ 0.50% · 4.625%
HK$27,917
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,630/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,548
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,287
−HK$749/mo
Today · 4.125%
HK$29,036
baseline
▲ 0.50% · 4.625%
HK$30,567
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,072/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,890
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,788
−HK$913/mo
Today · 4.125%
HK$30,701
baseline
▲ 0.50% · 4.625%
HK$32,569
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,402/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,139
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,001
−HK$875/mo
Today · 4.125%
HK$33,876
baseline
▲ 0.50% · 4.625%
HK$35,661
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,752/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,144
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,299
−HK$1,174/mo
Today · 4.125%
HK$39,473
baseline
▲ 0.50% · 4.625%
HK$41,875
+HK$2,402/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,946/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,322
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,430
−HK$1,125/mo
Today · 4.125%
HK$43,555
baseline
▲ 0.50% · 4.625%
HK$45,850
+HK$2,295/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,110/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,963 · 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).