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$20,634
−HK$1,293/mo
▼ 0.25% · 3.875%
HK$21,275
−HK$652/mo
Today · 4.125%
HK$21,927
baseline
▲ 0.50% · 4.625%
HK$23,262
+HK$1,335/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$43,854/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,955
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$23,570
−HK$625/mo
Today · 4.125%
HK$24,195
baseline
▲ 0.50% · 4.625%
HK$25,470
+HK$1,275/mo
Deposit HK$4.52M · loan HK$4.52M · min. income ≈ HK$48,390/mo (50% DSR)
Upfront cash ≈ HK$4.80M (deposit + AVD stamp duty HK$274,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,760
−HK$1,553/mo
▼ 0.25% · 3.875%
HK$25,530
−HK$783/mo
Today · 4.125%
HK$26,313
baseline
▲ 0.50% · 4.625%
HK$27,914
+HK$1,601/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$52,626/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,546
−HK$1,488/mo
▼ 0.25% · 3.875%
HK$28,284
−HK$750/mo
Today · 4.125%
HK$29,034
baseline
▲ 0.50% · 4.625%
HK$30,564
+HK$1,530/mo
Deposit HK$3.62M · loan HK$5.43M · min. income ≈ HK$58,068/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$274,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,887
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,785
−HK$913/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,566
+HK$1,868/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,136
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$32,998
−HK$875/mo
Today · 4.125%
HK$33,873
baseline
▲ 0.50% · 4.625%
HK$35,658
+HK$1,785/mo
Deposit HK$2.71M · loan HK$6.33M · min. income ≈ HK$67,746/mo (50% DSR)
Upfront cash ≈ HK$2.99M (deposit + AVD stamp duty HK$274,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,140
−HK$2,329/mo
▼ 0.25% · 3.875%
HK$38,296
−HK$1,173/mo
Today · 4.125%
HK$39,469
baseline
▲ 0.50% · 4.625%
HK$41,871
+HK$2,402/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$78,938/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,318
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$42,426
−HK$1,125/mo
Today · 4.125%
HK$43,551
baseline
▲ 0.50% · 4.625%
HK$45,846
+HK$2,295/mo
Deposit HK$905K · loan HK$8.14M · min. income ≈ HK$87,102/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$274,878 · 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).