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$20,560
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,200
−HK$650/mo
Today · 4.125%
HK$21,850
baseline
▲ 0.50% · 4.625%
HK$23,179
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,700/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,873
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,487
−HK$622/mo
Today · 4.125%
HK$24,109
baseline
▲ 0.50% · 4.625%
HK$25,380
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,218/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,673
−HK$1,547/mo
▼ 0.25% · 3.875%
HK$25,440
−HK$780/mo
Today · 4.125%
HK$26,220
baseline
▲ 0.50% · 4.625%
HK$27,815
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,440/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,448
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,184
−HK$747/mo
Today · 4.125%
HK$28,931
baseline
▲ 0.50% · 4.625%
HK$30,456
+HK$1,525/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,862/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,785
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,680
−HK$910/mo
Today · 4.125%
HK$30,590
baseline
▲ 0.50% · 4.625%
HK$32,451
+HK$1,861/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$61,180/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,023
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,881
−HK$872/mo
Today · 4.125%
HK$33,753
baseline
▲ 0.50% · 4.625%
HK$35,532
+HK$1,779/mo
Deposit HK$2.71M · loan HK$6.31M · min. income ≈ HK$67,506/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,009
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,160
−HK$1,170/mo
Today · 4.125%
HK$39,330
baseline
▲ 0.50% · 4.625%
HK$41,723
+HK$2,393/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$78,660/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,172
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,120/mo
Today · 4.125%
HK$43,396
baseline
▲ 0.50% · 4.625%
HK$45,684
+HK$2,288/mo
Deposit HK$902K · loan HK$8.12M · min. income ≈ HK$86,792/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,674 · 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).