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$20,613
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,254
−HK$651/mo
Today · 4.125%
HK$21,905
baseline
▲ 0.50% · 4.625%
HK$23,238
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,810/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,931
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$23,546
−HK$624/mo
Today · 4.125%
HK$24,170
baseline
▲ 0.50% · 4.625%
HK$25,444
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,340/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,735
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,504
−HK$782/mo
Today · 4.125%
HK$26,286
baseline
▲ 0.50% · 4.625%
HK$27,886
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$52,572/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,517
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,255
−HK$749/mo
Today · 4.125%
HK$29,004
baseline
▲ 0.50% · 4.625%
HK$30,533
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.42M · min. income ≈ HK$58,008/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,858
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,755
−HK$912/mo
Today · 4.125%
HK$30,667
baseline
▲ 0.50% · 4.625%
HK$32,533
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,334/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,104
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,965
−HK$873/mo
Today · 4.125%
HK$33,838
baseline
▲ 0.50% · 4.625%
HK$35,622
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,676/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$273,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,103
−HK$2,326/mo
▼ 0.25% · 3.875%
HK$38,257
−HK$1,172/mo
Today · 4.125%
HK$39,429
baseline
▲ 0.50% · 4.625%
HK$41,828
+HK$2,399/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,858/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,276
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$42,383
−HK$1,123/mo
Today · 4.125%
HK$43,506
baseline
▲ 0.50% · 4.625%
HK$45,800
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,012/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,957 · 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).