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$20,644
−HK$1,294/mo
▼ 0.25% · 3.875%
HK$21,286
−HK$652/mo
Today · 4.125%
HK$21,938
baseline
▲ 0.50% · 4.625%
HK$23,273
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,876/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,966
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,582
−HK$625/mo
Today · 4.125%
HK$24,207
baseline
▲ 0.50% · 4.625%
HK$25,483
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,414/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,772
−HK$1,554/mo
▼ 0.25% · 3.875%
HK$25,543
−HK$783/mo
Today · 4.125%
HK$26,326
baseline
▲ 0.50% · 4.625%
HK$27,928
+HK$1,602/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,652/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,559
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,298
−HK$750/mo
Today · 4.125%
HK$29,048
baseline
▲ 0.50% · 4.625%
HK$30,579
+HK$1,531/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,096/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,901
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,800
−HK$914/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,582
+HK$1,868/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,428/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,015
−HK$874/mo
Today · 4.125%
HK$33,889
baseline
▲ 0.50% · 4.625%
HK$35,676
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,778/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,159
−HK$2,330/mo
▼ 0.25% · 3.875%
HK$38,314
−HK$1,175/mo
Today · 4.125%
HK$39,489
baseline
▲ 0.50% · 4.625%
HK$41,892
+HK$2,403/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$78,978/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,339
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,447
−HK$1,125/mo
Today · 4.125%
HK$43,572
baseline
▲ 0.50% · 4.625%
HK$45,869
+HK$2,297/mo
Deposit HK$905K · loan HK$8.15M · min. income ≈ HK$87,144/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,324 · 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).