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$20,649
−HK$1,295/mo
▼ 0.25% · 3.875%
HK$21,291
−HK$653/mo
Today · 4.125%
HK$21,944
baseline
▲ 0.50% · 4.625%
HK$23,279
+HK$1,335/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$43,888/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,972
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$23,588
−HK$625/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,489
+HK$1,276/mo
Deposit HK$4.53M · loan HK$4.53M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$275,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,779
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,549
−HK$783/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,935
+HK$1,603/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,566
−HK$1,489/mo
▼ 0.25% · 3.875%
HK$28,305
−HK$750/mo
Today · 4.125%
HK$29,055
baseline
▲ 0.50% · 4.625%
HK$30,587
+HK$1,532/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,110/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$275,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,908
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,807
−HK$914/mo
Today · 4.125%
HK$30,721
baseline
▲ 0.50% · 4.625%
HK$32,590
+HK$1,869/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$61,442/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,160
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$875/mo
Today · 4.125%
HK$33,898
baseline
▲ 0.50% · 4.625%
HK$35,684
+HK$1,786/mo
Deposit HK$2.72M · loan HK$6.34M · min. income ≈ HK$67,796/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$275,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,168
−HK$2,331/mo
▼ 0.25% · 3.875%
HK$38,324
−HK$1,175/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,902
+HK$2,403/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,349
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$42,458
−HK$1,125/mo
Today · 4.125%
HK$43,583
baseline
▲ 0.50% · 4.625%
HK$45,880
+HK$2,297/mo
Deposit HK$906K · loan HK$8.15M · min. income ≈ HK$87,166/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$275,547 · 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).