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$20,682
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,326
−HK$653/mo
Today · 4.125%
HK$21,979
baseline
▲ 0.50% · 4.625%
HK$23,317
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,958/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,009
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,626
−HK$626/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,530
+HK$1,278/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,819
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$784/mo
Today · 4.125%
HK$26,375
baseline
▲ 0.50% · 4.625%
HK$27,980
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,750/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,610
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,351
−HK$751/mo
Today · 4.125%
HK$29,102
baseline
▲ 0.50% · 4.625%
HK$30,636
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,204/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,955
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,856
−HK$915/mo
Today · 4.125%
HK$30,771
baseline
▲ 0.50% · 4.625%
HK$32,643
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,542/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,212
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,076
−HK$877/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$35,742
+HK$1,789/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,228
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,386
−HK$1,176/mo
Today · 4.125%
HK$39,562
baseline
▲ 0.50% · 4.625%
HK$41,970
+HK$2,408/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,124/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,416
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$42,526
−HK$1,127/mo
Today · 4.125%
HK$43,653
baseline
▲ 0.50% · 4.625%
HK$45,954
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,306/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,013 · 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).