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$20,690
−HK$1,298/mo
▼ 0.25% · 3.875%
HK$21,334
−HK$654/mo
Today · 4.125%
HK$21,988
baseline
▲ 0.50% · 4.625%
HK$23,326
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,976/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,018
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,635
−HK$626/mo
Today · 4.125%
HK$24,261
baseline
▲ 0.50% · 4.625%
HK$25,540
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,522/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,829
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,601
−HK$785/mo
Today · 4.125%
HK$26,386
baseline
▲ 0.50% · 4.625%
HK$27,991
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,772/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,621
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$28,362
−HK$752/mo
Today · 4.125%
HK$29,114
baseline
▲ 0.50% · 4.625%
HK$30,648
+HK$1,534/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,228/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,967
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,868
−HK$915/mo
Today · 4.125%
HK$30,783
baseline
▲ 0.50% · 4.625%
HK$32,656
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,566/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,225
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,089
−HK$877/mo
Today · 4.125%
HK$33,966
baseline
▲ 0.50% · 4.625%
HK$35,756
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,932/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,243
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,401
−HK$1,177/mo
Today · 4.125%
HK$39,578
baseline
▲ 0.50% · 4.625%
HK$41,986
+HK$2,408/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$79,156/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,432
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$42,543
−HK$1,128/mo
Today · 4.125%
HK$43,671
baseline
▲ 0.50% · 4.625%
HK$45,973
+HK$2,302/mo
Deposit HK$907K · loan HK$8.17M · min. income ≈ HK$87,342/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,374 · 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).