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$20,601
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,241
−HK$651/mo
Today · 4.125%
HK$21,892
baseline
▲ 0.50% · 4.625%
HK$23,225
+HK$1,333/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,784/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,918
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$23,533
−HK$623/mo
Today · 4.125%
HK$24,156
baseline
▲ 0.50% · 4.625%
HK$25,430
+HK$1,274/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,312/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$273,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,721
−HK$1,550/mo
▼ 0.25% · 3.875%
HK$25,490
−HK$781/mo
Today · 4.125%
HK$26,271
baseline
▲ 0.50% · 4.625%
HK$27,870
+HK$1,599/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,542/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,502
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,239
−HK$748/mo
Today · 4.125%
HK$28,987
baseline
▲ 0.50% · 4.625%
HK$30,515
+HK$1,528/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,974/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$273,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,841
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,738
−HK$911/mo
Today · 4.125%
HK$30,649
baseline
▲ 0.50% · 4.625%
HK$32,514
+HK$1,865/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,298/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,085
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$873/mo
Today · 4.125%
HK$33,819
baseline
▲ 0.50% · 4.625%
HK$35,601
+HK$1,782/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,638/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$273,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,081
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,235
−HK$1,171/mo
Today · 4.125%
HK$39,406
baseline
▲ 0.50% · 4.625%
HK$41,804
+HK$2,398/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,812/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,252
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,122/mo
Today · 4.125%
HK$43,481
baseline
▲ 0.50% · 4.625%
HK$45,773
+HK$2,292/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,962/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$273,436 · 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).