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$20,555
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$650/mo
Today · 4.125%
HK$21,844
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,688/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$622/mo
Today · 4.125%
HK$24,102
baseline
▲ 0.50% · 4.625%
HK$25,373
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,204/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,666
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,433
−HK$780/mo
Today · 4.125%
HK$26,213
baseline
▲ 0.50% · 4.625%
HK$27,807
+HK$1,594/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,426/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,440
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,176
−HK$747/mo
Today · 4.125%
HK$28,923
baseline
▲ 0.50% · 4.625%
HK$30,447
+HK$1,524/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,846/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,777
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,672
−HK$909/mo
Today · 4.125%
HK$30,581
baseline
▲ 0.50% · 4.625%
HK$32,442
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,162/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,014
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,872
−HK$871/mo
Today · 4.125%
HK$33,743
baseline
▲ 0.50% · 4.625%
HK$35,522
+HK$1,779/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,486/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,999
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,150
−HK$1,169/mo
Today · 4.125%
HK$39,319
baseline
▲ 0.50% · 4.625%
HK$41,711
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,638/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,161
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,265
−HK$1,119/mo
Today · 4.125%
HK$43,384
baseline
▲ 0.50% · 4.625%
HK$45,671
+HK$2,287/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,768/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,425 · 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).