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$20,660
−HK$1,296/mo
▼ 0.25% · 3.875%
HK$21,303
−HK$653/mo
Today · 4.125%
HK$21,956
baseline
▲ 0.50% · 4.625%
HK$23,292
+HK$1,336/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,912/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,984
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$23,601
−HK$625/mo
Today · 4.125%
HK$24,226
baseline
▲ 0.50% · 4.625%
HK$25,503
+HK$1,277/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,452/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,555/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$783/mo
Today · 4.125%
HK$26,347
baseline
▲ 0.50% · 4.625%
HK$27,950
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$52,694/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,581
−HK$1,490/mo
▼ 0.25% · 3.875%
HK$28,321
−HK$750/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,604
+HK$1,533/mo
Deposit HK$3.62M · loan HK$5.44M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,924
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,824
−HK$914/mo
Today · 4.125%
HK$30,738
baseline
▲ 0.50% · 4.625%
HK$32,609
+HK$1,871/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,476/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,178
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$876/mo
Today · 4.125%
HK$33,917
baseline
▲ 0.50% · 4.625%
HK$35,704
+HK$1,787/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,834/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$276,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,189
−HK$2,332/mo
▼ 0.25% · 3.875%
HK$38,345
−HK$1,176/mo
Today · 4.125%
HK$39,521
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,404/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$79,042/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,372
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$42,482
−HK$1,125/mo
Today · 4.125%
HK$43,607
baseline
▲ 0.50% · 4.625%
HK$45,906
+HK$2,299/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,214/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,053 · 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).