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$20,554
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,193
−HK$650/mo
Today · 4.125%
HK$21,843
baseline
▲ 0.50% · 4.625%
HK$23,172
+HK$1,329/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$43,686/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,866
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,479
−HK$622/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,372
+HK$1,271/mo
Deposit HK$4.51M · loan HK$4.51M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$271,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,665
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$779/mo
Today · 4.125%
HK$26,211
baseline
▲ 0.50% · 4.625%
HK$27,806
+HK$1,595/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$52,422/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,439
−HK$1,483/mo
▼ 0.25% · 3.875%
HK$28,175
−HK$747/mo
Today · 4.125%
HK$28,922
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,524/mo
Deposit HK$3.61M · loan HK$5.41M · min. income ≈ HK$57,844/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$271,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,775
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,671
−HK$909/mo
Today · 4.125%
HK$30,580
baseline
▲ 0.50% · 4.625%
HK$32,441
+HK$1,861/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,160/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,012
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,871
−HK$871/mo
Today · 4.125%
HK$33,742
baseline
▲ 0.50% · 4.625%
HK$35,521
+HK$1,779/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,484/mo (50% DSR)
Upfront cash ≈ HK$2.98M (deposit + AVD stamp duty HK$271,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,997
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,148
−HK$1,169/mo
Today · 4.125%
HK$39,317
baseline
▲ 0.50% · 4.625%
HK$41,709
+HK$2,392/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,634/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,159
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,263
−HK$1,120/mo
Today · 4.125%
HK$43,383
baseline
▲ 0.50% · 4.625%
HK$45,669
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,766/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$271,387 · 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).