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$20,580
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,220
−HK$650/mo
Today · 4.125%
HK$21,870
baseline
▲ 0.50% · 4.625%
HK$23,201
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,740/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,895
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,509
−HK$623/mo
Today · 4.125%
HK$24,132
baseline
▲ 0.50% · 4.625%
HK$25,404
+HK$1,272/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,264/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,696
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,464
−HK$780/mo
Today · 4.125%
HK$26,244
baseline
▲ 0.50% · 4.625%
HK$27,841
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,488/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,474
−HK$1,484/mo
▼ 0.25% · 3.875%
HK$28,211
−HK$747/mo
Today · 4.125%
HK$28,958
baseline
▲ 0.50% · 4.625%
HK$30,485
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,916/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,812
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,708
−HK$911/mo
Today · 4.125%
HK$30,619
baseline
▲ 0.50% · 4.625%
HK$32,482
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,238/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,053
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,912
−HK$873/mo
Today · 4.125%
HK$33,785
baseline
▲ 0.50% · 4.625%
HK$35,565
+HK$1,780/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,570/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,044
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,196
−HK$1,171/mo
Today · 4.125%
HK$39,367
baseline
▲ 0.50% · 4.625%
HK$41,762
+HK$2,395/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$78,734/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,211
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,316
−HK$1,121/mo
Today · 4.125%
HK$43,437
baseline
▲ 0.50% · 4.625%
HK$45,727
+HK$2,290/mo
Deposit HK$903K · loan HK$8.12M · min. income ≈ HK$86,874/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,524 · 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).