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$20,599
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$21,240
−HK$651/mo
Today · 4.125%
HK$21,891
baseline
▲ 0.50% · 4.625%
HK$23,223
+HK$1,332/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,782/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,916
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,531
−HK$623/mo
Today · 4.125%
HK$24,154
baseline
▲ 0.50% · 4.625%
HK$25,427
+HK$1,273/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,308/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,719
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,488
−HK$781/mo
Today · 4.125%
HK$26,269
baseline
▲ 0.50% · 4.625%
HK$27,867
+HK$1,598/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,538/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,499
−HK$1,486/mo
▼ 0.25% · 3.875%
HK$28,237
−HK$748/mo
Today · 4.125%
HK$28,985
baseline
▲ 0.50% · 4.625%
HK$30,513
+HK$1,528/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,970/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,839
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,736
−HK$911/mo
Today · 4.125%
HK$30,647
baseline
▲ 0.50% · 4.625%
HK$32,512
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,294/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,083
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,943
−HK$873/mo
Today · 4.125%
HK$33,816
baseline
▲ 0.50% · 4.625%
HK$35,598
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,632/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,078
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,231
−HK$1,172/mo
Today · 4.125%
HK$39,403
baseline
▲ 0.50% · 4.625%
HK$41,801
+HK$2,398/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,806/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,249
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,355
−HK$1,123/mo
Today · 4.125%
HK$43,478
baseline
▲ 0.50% · 4.625%
HK$45,769
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,956/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,362 · 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).