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$20,575
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,215
−HK$650/mo
Today · 4.125%
HK$21,865
baseline
▲ 0.50% · 4.625%
HK$23,195
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,730/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,889
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,503
−HK$623/mo
Today · 4.125%
HK$24,126
baseline
▲ 0.50% · 4.625%
HK$25,397
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,252/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$272,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,690
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$780/mo
Today · 4.125%
HK$26,238
baseline
▲ 0.50% · 4.625%
HK$27,834
+HK$1,596/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,476/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,467
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$747/mo
Today · 4.125%
HK$28,951
baseline
▲ 0.50% · 4.625%
HK$30,477
+HK$1,526/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,902/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,805
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,701
−HK$910/mo
Today · 4.125%
HK$30,611
baseline
▲ 0.50% · 4.625%
HK$32,473
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,222/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,045
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,904
−HK$872/mo
Today · 4.125%
HK$33,776
baseline
▲ 0.50% · 4.625%
HK$35,556
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,552/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,034
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,186
−HK$1,171/mo
Today · 4.125%
HK$39,357
baseline
▲ 0.50% · 4.625%
HK$41,752
+HK$2,395/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,714/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,200
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,305
−HK$1,121/mo
Today · 4.125%
HK$43,426
baseline
▲ 0.50% · 4.625%
HK$45,715
+HK$2,289/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,852/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$272,298 · 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).