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$20,681
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,325
−HK$653/mo
Today · 4.125%
HK$21,978
baseline
▲ 0.50% · 4.625%
HK$23,316
+HK$1,338/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,956/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,008
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,625
−HK$626/mo
Today · 4.125%
HK$24,251
baseline
▲ 0.50% · 4.625%
HK$25,529
+HK$1,278/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,502/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,818
−HK$1,556/mo
▼ 0.25% · 3.875%
HK$25,590
−HK$784/mo
Today · 4.125%
HK$26,374
baseline
▲ 0.50% · 4.625%
HK$27,979
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,748/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,610
−HK$1,491/mo
▼ 0.25% · 3.875%
HK$28,350
−HK$751/mo
Today · 4.125%
HK$29,101
baseline
▲ 0.50% · 4.625%
HK$30,635
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,202/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,954
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,855
−HK$915/mo
Today · 4.125%
HK$30,770
baseline
▲ 0.50% · 4.625%
HK$32,642
+HK$1,872/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,540/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,211
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,075
−HK$876/mo
Today · 4.125%
HK$33,951
baseline
▲ 0.50% · 4.625%
HK$35,741
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,902/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,227
−HK$2,334/mo
▼ 0.25% · 3.875%
HK$38,385
−HK$1,176/mo
Today · 4.125%
HK$39,561
baseline
▲ 0.50% · 4.625%
HK$41,968
+HK$2,407/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,122/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,414
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,525
−HK$1,127/mo
Today · 4.125%
HK$43,652
baseline
▲ 0.50% · 4.625%
HK$45,953
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,304/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$276,982 · 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).