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$20,564
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,203
−HK$650/mo
Today · 4.125%
HK$21,853
baseline
▲ 0.50% · 4.625%
HK$23,183
+HK$1,330/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,706/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,877
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,490
−HK$623/mo
Today · 4.125%
HK$24,113
baseline
▲ 0.50% · 4.625%
HK$25,384
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,226/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,676
−HK$1,548/mo
▼ 0.25% · 3.875%
HK$25,444
−HK$780/mo
Today · 4.125%
HK$26,224
baseline
▲ 0.50% · 4.625%
HK$27,819
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,448/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,452
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,188
−HK$747/mo
Today · 4.125%
HK$28,935
baseline
▲ 0.50% · 4.625%
HK$30,460
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,870/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,789
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,684
−HK$910/mo
Today · 4.125%
HK$30,594
baseline
▲ 0.50% · 4.625%
HK$32,456
+HK$1,862/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,188/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,027
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,886
−HK$872/mo
Today · 4.125%
HK$33,758
baseline
▲ 0.50% · 4.625%
HK$35,537
+HK$1,779/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,516/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,014
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,166
−HK$1,170/mo
Today · 4.125%
HK$39,336
baseline
▲ 0.50% · 4.625%
HK$41,729
+HK$2,393/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,672/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,178
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,283
−HK$1,120/mo
Today · 4.125%
HK$43,403
baseline
▲ 0.50% · 4.625%
HK$45,691
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,806/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,810 · 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).