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$20,619
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,260
−HK$652/mo
Today · 4.125%
HK$21,912
baseline
▲ 0.50% · 4.625%
HK$23,245
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,824/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,938
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,553
−HK$625/mo
Today · 4.125%
HK$24,178
baseline
▲ 0.50% · 4.625%
HK$25,452
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,356/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,743
−HK$1,551/mo
▼ 0.25% · 3.875%
HK$25,512
−HK$782/mo
Today · 4.125%
HK$26,294
baseline
▲ 0.50% · 4.625%
HK$27,894
+HK$1,600/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,588/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,526
−HK$1,487/mo
▼ 0.25% · 3.875%
HK$28,264
−HK$749/mo
Today · 4.125%
HK$29,013
baseline
▲ 0.50% · 4.625%
HK$30,542
+HK$1,529/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,026/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,866
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,764
−HK$913/mo
Today · 4.125%
HK$30,677
baseline
▲ 0.50% · 4.625%
HK$32,543
+HK$1,866/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,354/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,114
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,975
−HK$874/mo
Today · 4.125%
HK$33,849
baseline
▲ 0.50% · 4.625%
HK$35,633
+HK$1,784/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,698/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,114
−HK$2,327/mo
▼ 0.25% · 3.875%
HK$38,268
−HK$1,173/mo
Today · 4.125%
HK$39,441
baseline
▲ 0.50% · 4.625%
HK$41,841
+HK$2,400/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$78,882/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,289
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$42,396
−HK$1,124/mo
Today · 4.125%
HK$43,520
baseline
▲ 0.50% · 4.625%
HK$45,814
+HK$2,294/mo
Deposit HK$904K · loan HK$8.14M · min. income ≈ HK$87,040/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,235 · 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).