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$20,588
−HK$1,291/mo
▼ 0.25% · 3.875%
HK$21,228
−HK$651/mo
Today · 4.125%
HK$21,879
baseline
▲ 0.50% · 4.625%
HK$23,210
+HK$1,331/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,758/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,904
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$623/mo
Today · 4.125%
HK$24,141
baseline
▲ 0.50% · 4.625%
HK$25,414
+HK$1,273/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,282/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$272,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,706
−HK$1,549/mo
▼ 0.25% · 3.875%
HK$25,474
−HK$781/mo
Today · 4.125%
HK$26,255
baseline
▲ 0.50% · 4.625%
HK$27,852
+HK$1,597/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$52,510/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,485
−HK$1,485/mo
▼ 0.25% · 3.875%
HK$28,222
−HK$748/mo
Today · 4.125%
HK$28,970
baseline
▲ 0.50% · 4.625%
HK$30,497
+HK$1,527/mo
Deposit HK$3.61M · loan HK$5.42M · min. income ≈ HK$57,940/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$272,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,823
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,720
−HK$911/mo
Today · 4.125%
HK$30,631
baseline
▲ 0.50% · 4.625%
HK$32,494
+HK$1,863/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$61,262/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,065
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,925
−HK$873/mo
Today · 4.125%
HK$33,798
baseline
▲ 0.50% · 4.625%
HK$35,579
+HK$1,781/mo
Deposit HK$2.71M · loan HK$6.32M · min. income ≈ HK$67,596/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$272,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,058
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,211
−HK$1,171/mo
Today · 4.125%
HK$39,382
baseline
▲ 0.50% · 4.625%
HK$41,779
+HK$2,397/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$78,764/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,227
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,333
−HK$1,121/mo
Today · 4.125%
HK$43,454
baseline
▲ 0.50% · 4.625%
HK$45,745
+HK$2,291/mo
Deposit HK$903K · loan HK$8.13M · min. income ≈ HK$86,908/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$272,881 · 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).