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$20,629
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,271
−HK$651/mo
Today · 4.125%
HK$21,922
baseline
▲ 0.50% · 4.625%
HK$23,256
+HK$1,334/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,844/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,949
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,565
−HK$624/mo
Today · 4.125%
HK$24,189
baseline
▲ 0.50% · 4.625%
HK$25,464
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,378/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,755
−HK$1,552/mo
▼ 0.25% · 3.875%
HK$25,525
−HK$782/mo
Today · 4.125%
HK$26,307
baseline
▲ 0.50% · 4.625%
HK$27,908
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,614/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,539
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,278
−HK$749/mo
Today · 4.125%
HK$29,027
baseline
▲ 0.50% · 4.625%
HK$30,557
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,054/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,880
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,779
−HK$912/mo
Today · 4.125%
HK$30,691
baseline
▲ 0.50% · 4.625%
HK$32,559
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,382/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,129
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,991
−HK$874/mo
Today · 4.125%
HK$33,865
baseline
▲ 0.50% · 4.625%
HK$35,650
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,730/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,132
−HK$2,328/mo
▼ 0.25% · 3.875%
HK$38,287
−HK$1,173/mo
Today · 4.125%
HK$39,460
baseline
▲ 0.50% · 4.625%
HK$41,862
+HK$2,402/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,920/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,309
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$42,417
−HK$1,124/mo
Today · 4.125%
HK$43,541
baseline
▲ 0.50% · 4.625%
HK$45,836
+HK$2,295/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,082/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,674 · 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).